About 5 years ago myself and my partner got into some serious debt, following ill health and various job problems. At the end of our tether and failing any help from any creditors to try to resolve the problems we turned to DCM Apex who took over the handling of our debt under their agreement where they say they will have you debt free in 5 years. Anyway, a couple of our monthly payments to them were missed right at the start of the agreement, but ever since we have paid them on time. We are now getting to the end of our 5 year agreement and worryingly I recently received an attachment of earnings order sent to my employer following DCM failing to make payments to one of my creditors on time, so I called them to discuss this and to see when our agreement would be finished. Now I'm starting to really worry about how legit they are. They have told me that as we missed a couple of payments, we were in breach of the original agreement and therefore they could no longer stand by their guarantee. I asked them how much longer than 5 years it would take and they said about another 3-4 years!!!! I fail to see how missing a couple of months payment could add another 3-4 years onto settling debt that would have otherwise been settled in 5 years. I'm really worried. Has anyone else had any dealings with them. Should i be concerned that 4 years and 6 months later I have managed to pay less than 25% off my original debt with no sign of light at the end of the tunnel