I wouldn’t even give them 1 star. Absolute joke of a company. Customer service are awful, they hang up the phone on you. I have had nothing but trouble with them I would NOT advise ever signing up with them. I called up to change my direct debit date apparently you can’t do this although I had done in the past! So I cancelled my direct debit and made a payment, they didn’t put my direct debit cancellation through and still took the money out so I had paid twice! I asked for a refund in which I called up 3 TIMES to make sure it had gone through and I had to wait 10 working days for this! After 10 working days I called up only to be told the refund hadn’t gone through and to call the payroll department. They then told me that I had received the wrong information and that the money had to show on my account for 10 days before they could put the refund through! I asked to be put through to the complaints team however they hung up on me several times. Honestly NEVER EVER get an account with them they are an AWFUL service.