Very seem to have changed in recent times, long wait times when calling, sometimes more than an hour and then you get cut off. I don't want to go into great detail about my own experince, however as a consequence of it I feel obliged to enlighten anyone considering using them now or in the future. Basically be prepared if something goes wrong, to have something akin to a visit to the dentist, slowly unroll infront of your eyes and very much your ears, as they twist and turn to make sure it's all in their favour. If there's a customer satisfaction company handbook that's been written in the past, then all I can say, is that it now has a inch layer of dust on it, where its been parked at the very back of the filing cabinet marked customers, no sorry meant victims! 06/01/2023 Update Finally got to speak to someone in the UK, rather than a call centre abroad. Have to say despite their courtesy and politeness, my grievance wasn't resolved. The whole experience encouraged me to close the account I've had and used frequently for many years. In essence their business Ethos has been designed to ultimately catch certain customers out with their "Buy Now Pay Later" scam which costs you an exorbitant amount if you forget to pay in full by the due date. They advertise on TV that they'll text you payment reminders, however with me they didn't and I paid the price! When I said I was closing the account (this is when I eventually managed to speak to someone) there was a verbal shrug of the shoulders and not even a muted thank you for all my business over the preceeding years. If you look into all of the other negative reviews on here, there appears to be a consistent theme, and it's mostly about the company's poor communications and appalling ability to respond quickly and efficiently to any sort of customer query. You have been warned and felt it was my duty to inform you all accordingly!