Hello could anyone please help, my sister in law has managed to get herself into debt for over 10k with 3 loans and has been recommended to talk to Creditfix by Barclays. What she has agreed with them is to reduce her payments from £280 per month to just £80 and it will be paid off in 5 years. This means that half the loan is written off. She is not very good with money and this just seems to go to be true can anyone answer if this seems normal practice, I know the government introduced something about writing old debt off but unsure if this is what they are doing. I really don't want to be seen as interfering but I am concerned about her.