Total nightmare to deal with. Incompetent, need investigating as well as naming & shaming. Have been trying to sort out a credit owed on my fathers property since before Christmas 2022. Have spoken several times to foreign call centers, where the staff are either not trained properly / don't listen / don't understand??? Have been referred twice, supposedly as "urgent" to a "high resolutions team" to sort things out, they haven't. Have had an account opened for me that was not required. Have spent hours on the phone, have been promised phone calls that don't transpire. Wrote to them in March, detailing everything as they requested, they never replied although I did confirm they had received my letter. Latest situation is receiving a so called final statement saying a debit balance is owed to them. Checking it all, the final balance is a CREDIT balance with them owing me money, but they have sent a reminder threatening credit ref agency action if payment isn't made to them. Phoned again 16/6, after nearly 2 hrs now being referred to a case manager, urgent again but 12 days on still awaiting contact. 1* given as there is no minus rating available, but AVOID IF YOU HAVE ANY SENSE. Have never dealt with a more incompetent company.