Dreadful incompetent company. The second of 3 repayments didn't authorise, due to the fact that i'd had my card stolen and had a replacement issued with a different number. The funds WERE on my account and available to Swift on the specified day, but unbeknown to me, they take a manual payment and not via direct debit...as they insisted they did ( partly my fault, i should have checked, leading me to believe my account had been hacked). Following a barrage of phone calls later that day insisting that the funds weren't available and payment was declined.....i'm not suprised, they were using the wrong card number... i eventually paid over the phone. Later that day 2 more phone calls and several texts later, all demanding payment,.... i'm ashamed to say i eventually lost my rag over the phone with them saying that payment was made earlier today..and the payment authorisation code which YOU gave me is ......!! Absolutely useless, unprofessional and shambolic set up...and i'm pleased i only have one more repayment......as i sure as hell won't be using them again.. i didn't want to in the first place, but like a lot of people, had no other option at the time.