I have never been a person to miss payments and consider myself as a good customer, but after asking for a settlement figure on the 23rd of November 2024 after paying 4640 pound on my behalf I was short of £80 which I was genuinely unaware of coming short, I questioned if I could pay the remaining money to clear the bill they told me that was not possible I’d need a new settlement figure (this was before I knew I was being made redundant) so I explained I was made redundant and I payed all that out of the last of my money I had I explained to them as being a father of 3 and struggling with my mental health for a few months and struggling to meet ends meet, feeling as I wasn’t good enough for my kids, so they said I would be able to get a refund in the next 10 working days, so meanwhile I waited… as a good gesture my brother payed for a trip to take my mind off things on the 13 of December , I still haven’t received anything and they said they can’t do nothing it’s down to the finance department, ruined my holiday as I was hoping to get my money back from money barn… also Christmas I haven’t been able give my children much so over all they have caused me a lot of stress and I’m at breaking point, spoke to mangers etc and just failed hope spoke to a specialist who was supposed to call me with a update and nothing, and no contact from the complaints team, they have really ruined a special time of the year with my kids, never been back and for the doctors so much with my depression which this have impacted a lot of stress, I’m behind on all my bills because they haven’t returned my money like promised, coming up to 40 days please I advise anyone they are high interest finance and customer service is shocking