Got in touch on 9th April to ask for a payment break as was severely affected by covid. Vulnerable category and costing more for everything. No arrears to this date. They put me on a 2 month breathing space instead of payment holiday as instructed by fca on 3rd April. After 2 months they wanted all payments...had reduced my credit level from 3.4k to 1.7k. I placed complaint and was dealt with by somebody who said they completely agreed with my complaint but their hands were tied and they would be held personally responsible if they upheld it. They have trashed my credit report and unwilling to see they were the ones that cAused this by not implementing fca policy. Not heard a thing from them then got a statement on Friday asking for minimum payment of 462 and today a default notice. After they didn't give me payment holiday which got me in debt they refused to give me a payment holiday because I was in debt. I will sort this out and then they are gone. I've been a good customer for many years with exemplary payment history. Shocking. Fca complaint gone in.