The customer service is nice until you run into money problems. They don't care about their customers and situations, as long as they get paid. After a few unfortunate situations I was left out of a job for a short time and fell back quite a bit on my debts as I couldn't pay them. I finally found a new job but my debt by then was too large to manage and left me with not enough to eat or pay rent. I spoke to a government funded agency about starting a debt management plan (DMP), who was so nice and reassuring. After going through the process and telling all my loaners they all agreed that the DMP was the way forward. Barclays, Tesco, AA, HSBC, they were all nice, too, and said they understand and fully agreed on the DMP, saying it was in my best interest and they'd stop the interest ony loans. Apart from Admiral, who nonstop started calling my phone 3x times a day. They kept advising not to get a DMP and said instead I should tell them what I earn and pay out and Admiral will independently agree on what I should pay them and basically said they will work out what I should pay the other companies. How is that fair in any way for the other companies I owe money too? They all agreed, why is Admiral being greedy. My DMP said to not talk to Admiral, as they will on my behalf and agree the amount I can afford to pay. Admiral didn't like this and continued to call me everyday, sending threatening court letters. Eventually the DMP was agreed by Admiral. All was going fine up until I checked my credit rating and found that Admiral have placed a CCJ on me. Now after going through all the forums, everyone says don't worry if you've agreed a DMP noone will go through the CCJ route. I guess Admiral do, they really don't care about your situation and how much you may be struggling. Their top priority is getting as much money from you as possible, even if you're not left with enough to eat/pay rent.