The worst service ever! I made an over-payment on my loan, following their instructions by calling them in advance of the payment to notify them that I will be making over-payments regularly. When after 4 weeks I received no letter confirming my over-payment I called, turns out they "misunderstood me" and no note was made to indicate my intentions to make over-payments, which means that the amount was reduced by the interest was not recalculated! Seriously, why would anyone make over-payments with no view of reducing interest?! So that was sorted. Next month I made another over-payment, 4 weeks later still no letter. I called them, they claimed to have been clearing backlog but my payment has been recorded. I asked if it would be backdated to the date they actually received it on and not recalculated as of the date they actually get to it to do so. They said it would be backdated, but after the experience can I trust them? Especially considering they do not show any of their calculations they just tell you how much you have saved. So not exactly transparent.