The pandemic created a havoc in a lot of peoples lives - personally and financially. I was hit badly, financially. My credit rating fell from 860 to about 640 in about 9 months as I had defaulted on the repayments. If this wasn't embarrassing enough, the collection calls just made it mentally harrowing as well. I chanced upon FREED and connected with them. The team was quite understanding of the issues and worked towards the best solutions for me keeping in mind my situation. FREED played a critical part in me settling my PL outstanding - be it speaking to the creditors or collection agents and negotiating a deal with the bank which suited my financial condition at that time. Thankfully, today, after clearing all the negotiated outstanding, I am debt free. What's more, my credit rating in the past 7-8 months has gone back up to 760. Thank you team Freed for getting me back on track.