Would give 0 if I could. Don’t use this company they are ridiculous and try get as much money possible from people. They cancel direct debits without you noticing they then send letters saying you owe so much money with added fees you ring up to enquire as you have DD to be told they cancelled it admitted mistake so has to wait for paper work to make Payment plans 8 months later am still waiting for this paper work can never get through on the phone and today instead of sending paperwork they send court letters ! All done to the fault of them cancelling a direct debit but am sure if a customer did this it would be a breach of contract STAY AWAY FROM THEM