I have repayed on time every month without fail, yet I've had false details reported on my credit file resulting in a negative impact on my credit report, i've recency had my vehicle written off by my insurance company so I requested the early settlement figure and near fell of my chair when I saw I'd save about £6 off the total remaining balance if I repayed early plus an additional £180 end of agreement fee, as if they didn't make enough from the interest on the loan and the set up fee at the beginning, absolutely shocking, anyway I arranged the cheque to pay off the balance to be sent to them and its taken them 4 weeks to update my account with the payment so now the cheque payment sent is higher than the current settlement figure due to another payment being debited from my bank and they now owe me the over payed money which they are not very forthcoming with, all in all a really terrible company, customer service is below poor and I cannot and will not recommend anyone to this company, its a competitive market out there so shop around and bypass these cowboys 🤠.