I would rate 0 stars - this company is the reason I am i take medication, every direct debit they've set up for me has been wrong or not set up at all despite recieving letters... They make it up as they go along. The phone lines are a disgrace and always cutting out. On 2 occasions they've tried to deduct over 1000 in one payment and I'm a single mum on universal credit, I have a list of complaint reference numbers, and my metal health has took a really bad turn and they are aware of this. Awful company. I am in the process of taking this matter further .... And looks as if I'm not the only one with this problem.