Would have given no stars if I could. 14 days after being promised some of my credit would be returned I was told today they could not do it only a statement is produced however their systems are down and unable to produce statements. Could be another week and then it might take another 2 weeks to reach me. I don't think they have any intention of returning my money. I had also emailed asking for my direct debit to be reduced and was told I must phone. Guess what, when I phoned they could not reduce my direct debit as there was no up to date statement. Do you get the picture? So even though I am nearly £300 in credit I cannot get my credit or reduce my payments. Maybe they have cashfloe problems? It is just lies, lies and more lies!!!