I would like the complaint to be continued and i would like to appeal your decision. The payment due date was the 26th Feb. So in layman's terms i have until at least the close of office hours to pay the instalment. Which i tried to do. So the payment would not be missed. Your terms say "the payment could be taken between 0600 and 0800 on the due day, but may on occasion be taken later that day" Ok so what your saying is, its ok for MCE to take the payment at any time on the due date when it suits them. But its not ok for the customer to pay at any time on the due date. And every other company who i have had dealings with. If the first payment is declined. They will then attempt to take the payment later on that day. Due to the fact some people may not get paid until noon etc. But MCE dont do that do they. You are happy to re apply for the payment on another day once the rip off £30 admin charge has been applied. So it proves you have the ability to re apply for the payment. In my opinion the whole thing stinks. Its not about the £30 rip off admin fee. Its about the fact its designed to rip off and catch out your customers. My wages were in my bank at 0900 that day. I offered to pay the monthly instalment on the due day. But MCE refused to accept the payment without adding the rip off £30 admin fee. I will make it my goal to leave as many reviews on as many review sites. Highlighting this SCAM MCE are running so that other potential customers are fully aware of the SCAM before they sign up with MCE It just highlights the poor customer service and shows that MCE see customers as cash cows to try and screw as much money as they can out of. At the end of the day the payment date was 26th Feb. I offered to pay the instalment on the 26th Feb. MCE would not take the payment unless i paid the rip off admin fee. Your terms in basic English say "its ok for MCE to decide what time they take the payment, but the customer has no choice" Like it or lump it the computer says NO as the old saying goes and screw the customer. Iam just grateful and pray to God i never ever have the misfortune to have to make a claim on my insurance. Because i didnt dot the "i" in my name Justin would probably invalidate the insurance.