Terrible customer service - computer says no mentality where the right hand doesn't seem to know what the left is doing. Never actually completed the application because the communication from them was so rubbish - they asked me for information, I responded, didn't hear back and chased. In the meantime they were sending standard letters asking me to respond. Eventually I called them and was told they'd closed the application because I hadn't sent them some information they'd never actually asked me for. Person I spoke to was intent on blaming me as the customer but eventually apologised when it became clear she didn't have a leg to stand on. Awful customer experience. AVOID