What are opinions on Valour Financial Management?

What are opinions on Valour Financial Management?
Hi, I have been with them since around October 2010 and in my experience so far they are sound. I make an arranged payment every month, and can see via the client portal on their website how the money is being distributed amongst my creditors. I am also no longer hounded by my creditors, which to me is a clear indication that they are happy with the arrangement too. I had my doubts about VF at first too -- after making enquiries online about debt management plans I was inundated with phonecalls from all sorts of companies that were so persistent. And these days these 'services' seem to have sprung up to play on our financial misery. I researched Valour Financial online, liked the look of them and how they dealt with my first enquiry, and decided to take the plunge. I have found them to be consistently courteous and professional, I am glad I chose them and it has meant greater peace of mind. You do pay a percentage towards their service every month (included in the negotiated monthly payment) but this is sure to be less than other charges that you would be incurring monthly in multiple card late fees, payday loans interest etc. This was ultimately the deciding factor for me. I hope that this helps, good luck!