Vivus service was excellent at first their rates and speed of payment was better than any other I'd tried. However despite taking out a few loans with them which i had paid promptly, so they had all my banking information, when I had to change my payment card becuase the previous one had been cloned, the hoops they made you go through to changing it, even wanting me to send in a photograph of me holding my new card. I refused to do this because it was ridiculous. A week or so later it allowed me to update me card details but ever since then they have refused to give me a loan. Until this I would of rated them very good