This Company has gone from bad to worst. I had my account with these Jokers. rude, unhelpful and plain don't care about their loyal customers for over 9 years. Direct debit was always setup but 1 month last year for some reason the direct debit payed but returned, phoned my Bank to find out why, Bank told me Very returned the payment. I phoned very after speaking to Bank and made the first ever debit card payment because direct debit was always how I paid. Little did I know, Very have now put a one day late payment charge on my credit file in March 2018 I have several credit agreements spanning 16 years and never paid late or missed a payment yet they refuse to remove this negative mark. I have now paid my balance in full and closed my account. (Good Riddance)