If satan owned a car finance company it would b moneybarn...once you sign that contract you have signed your soul over to the devil..i paid without fail for 2 years with no problems then had to move so lost my job i tried on many occasions to ring for help in reduced payments when all i ended up with was even higher monthly payments which where impossible to keep up with..to now where i have a termination order..i ring again for help no empathy rudeness and sarcasm was what i received..this has been all consuming my life for months now and has given me many sleepless nights and tears . Avoid the are money and soul thieves