I would give no stars. I quitted my job and gone unemployed for serious reasons. I was calling them up to ask for a reduced payment of 100 pounds for a year, but they just questioning me, and not respecting my privacy in my issues to save it secret. Why the advertising on their site that they can give payment holiday or payment reduce or deferral? I told them that i need to sort out things and im thos year i shouls pay 100 pounds, after iam aure i go back to work, clear terms amd promises. This is not a friendly or understanding company, and i need the car, and i am alone.