Avoid avoid avoid this company please do research and belive the reviews before signing in so recently received a visit from one person working for UP decided to switch to them, however after a few days and within the 14 days cooling off period decided to call them to cancel my application, they said they will and there is nothing I have to do on my side even contacted my old provider to say I don't want to close my account and want to continue to be their customer, UP didn't cancelled my application and closed my account with my old provider against my will, they are now saying I was out of the cooling of period because the first email sent to them was outside the 14 days and simply ignored the phone call which was in the cooling of period and ignored my will completly, and they went ahead and charged me AGAINST MY WILL without even sending me a customer reference number, basically they kept me as a customer by force, I did notified the team in time tried to get hold of them but customer service is non existent, please people read the reviews and don't switch to them if I could I would give 0 stars!