From day one I have been messed about by these idiots, not one person seems to undestand payment schedules. What is the point in them giving the facility to change payment dates when they don't stick to it. Not only do I keep receiving numerous default letters, bit they have the audacity to charge me fees along with my bank charging me for failed direct debits due to them not honouring payment dates. I have phoned them so many times and they blame premium credit, premium credit blame ocagon so I find myself going backwards and forwards between the 2 of them. Do not let use this insurance company and stay car of premium finance. This is a complete bunch of idiots bumbling around without a clue.