No zero star option available thus 1 star. Stay away from Arriva direct debit tickets especially Employer Travel Club scheme. Arriva have discriminatory system against such tickets. In the terms and condtions they reserve the right to refuse refund for such tickets. I've enrolled into another arriva scheme by my employer and neither them nor arriva provided any terms and conditions or informed me that direct debit payments are not required at all for a smart card tickets. I was sure that some nominal payments would be taken for the new scheme tickets as I had been told by my employer previously not to cancel because the payment would be adjusted and it did. But with the smart card scheme I've received a free bus pass and as a result of lack of information, my uncancelled direct debit went throught. They refuse any refund. I ended up paying almost £56 for a monthly saver and a free pass covering the same month and expiring in the next few months! On top of that I phoned arriva customer services and quoted the question from their website if my DD paper monthly ticket can be returned for a refund. They confirmed and said to post it to them. I did it. Then I get an email from another arriva dept asking why I posted it to them as they had refused a refund. I answered that CS advised me to do so. They said they would post it in that night's post back to me. It has taken them 5 working day with 1st class royal mail! But actually they never did until I complained that I didnt receive my ticket and three days after I got it. The thing is it expires in 5 days from the date I got it. They have wasted two weekends of my ticket validity due to their incompetency and misinformation and I couldn't even take my kids free of charge on bus over the two weekends as the ticket enables me to. Only one weekend left. They are pathetic and inconsiderate. No timely replies either as they ignored my emails for several days from the begining of the matter. Better to use different bus operators and DO NOT GET INVOLVED IN ARRIVA DIRECT DEBIT TICKETS!!!!