Don't even want to give them 1 star as I don't think they deserve it, I suffer with severe, complex mental health issues which they are fully aware of, after trying to contact them on many occasions via phone and email I haven't been able to actually speak to anyone, I am on the phone to them as I write this review and have been on hold for 1hr 28 mins so far... absolutely ridiculous, it's shocking that they are allowed to still trade as a business, I've cancelled all payments to them but they somehow have taken £50 from my account this morning.. Not impressed at all, now all my debts are hanging over my head again and I'm very stressed out by it all, don't know what to do so turning to citizens advice, aswell as making ab official complaint to the financial ombudsman!! STEER WELL CLEAR!!!!!!