Just got off the phone from them now, very helpfull. Its great ot talk to someone whol has experience of dealing with all types of problems, and they know the best way of approaching your proble, They can also act of your behalf and talk to your creditors for you. Give them a call.
The only problem is that as far as I can tell, if a FI hears you have consulted them and consequently you want to make 'arrangements', they down grade you immediately!