this company is ok while they are taking your money, until something goes wrong. I owe them money but am on low income and I am paying them a minimum monthly payment when ever they ring me they get quite nasty and threatening on the phone, so today I told them that if they want to get in touch with me again they are not to ring me or email as I don't use email very often I want them to contact me by letter. the person I was talking to someone called rhian sneered down the phone we will contact you by phone its up to you if you answer or not. when I complained about the way they spoke to me before they did an internal enquiry, the result of which was there staff were correct in the way they spoke to me. I refuse to be treated this way but can understand how some other venerable people could be very intimidated by them. absolutely shocking behaviour. this company should be ashamed of themselves.