All was well until my family and I had covid for the first time this Christmas. In 4 and a half years never missed a payment. Due to covid and reduced hours through ill health I missed one payment, informed the company why and said the payment would just be late due to payroll at work. Despite all the spiel about help they can give you they did absolutely nothing but phone, message, and spend over an hour on the phone going through my affairs with a tooth comb then actually approved a payment date without my consent with my bank to make an extra payment when the money wasn't available. My car is paid for in September this year and never again will I go through these.