Like most people on here, STAY AWAY from this company. Horrible customer service. I bought a car on HPI, including PPI. I paid the PPI and my payments for nearly three years and was up-to-date with payments. I was signed off sick in September and notified them, including proof of medical certificate. However, they wasn't interested because it take TIME to set up the PPI claim to for them to make payments on my behalf. I missed one payment (awaiting payment from PPI company) and I received texts after texts hounding me. Today I received a letter saying I was in default and they would look to repossess the car if I didn't bring it up-to-date. Ive now had to put the payments on a credit card to prevent the repossession. I contacted them to say I will be going elsewhere in future, not that they care. BAD company, BAD customer service. I will never be dealing with these people again.