I too started a DMP with Harrington Brooks in Apr/May 2013, and to be completely honest up until a few months ago hadn't REALLY had any issues. It all stemmed from when I called them in May this year to find out where my plan was upto as I was pretty sure it had all been paid off. The employee checked my account and apologised having realised that actually my plan had finished in April but they had continued making payments to the creditors. As I was within 3 days of my standing order, I couldn't cancel it, but she assured me as soon as those days had past she would refund that payment. With regards to the already existing overpayments to my creditors she had apparently contacted them and they would be issuing me a cheque for those amounts overpaid. I received my refund from HB a few days later but not creditors, left it a few weeks as i know how companies drag their heels when needing to return money. Still no money from creditors called them directly. Both companies were surprised HB had said this and didn't even know I had overpaid, but yes looking at my account they could see it. However, as HB had entered into a DMP agreement with them they couldn't refund the money to my bank account it had to go to HB's. I spoke to HB and after a few heated discussions they conceded that yes they were at fault and that they don't have regular contact with their financial department so it may take a while to sort out. Another month passes and still no word, I call HB again, this time apparently I've changed my address so they can't talk with the creditors due to failing security questions. I check with the creditors the information they have on me, and all is correct. I call HB and get the usual, OK will raise this and expect a response within a few days. Nothing. This back and forth continues for a couple of months until I get really angry and get through to a manager...finally. He's as useful as a sandbox in the desert. The constant response is, we don't know when/if it has cleared into our account yet because "Creditors often lie" a nd "They refund lump sums not individual cases". The creditor says this is not the case and the payment actually left their accounts over 8 weeks ago now. With my account number attached as a reference for HB. Around 4 weeks ago I contact HB again, and finally get one of my refunds processed, £64 something. However my second refund £144 odd is still outstanding. I then receive an email from HB 2 days later saying that both refunds will be processed within the next couple of days. Doesn't happen, I contact them again and am told this is just a generic email and the money hasn't actually hit our accounts yet. Now I've given up dealing with them and am trying to ascertain whether I can claim a refund for the monthly charges they made for me to use their DMP service under Consumer or financial regulations, considering their continued failure at communication and money issues. Yes, I am now fully aware that one should avoid them like the plague now so please no obvious comments as that. Please can anyone help with me the next steps, While I am no longer desperate for the £144, it's still a modest bit of cash that certainly wouldn't go amiss and when I think of the hundreds I've lined HBs pockets with I get really angry with their lack of actually running a competent financial or helpful service. Thanks for reading this.