I paid by direct debit and faithfully increased or lowered my payments as recommended by them. I regularly checked my balance in the app and it always looked good. I recently decided to move to another supplier and had to wait over 5 weeks for final bill (this is the max time allowed by law) only to be presented by a bill for 600 pounds. It turns out that my recommended amount to pay was underestimated by BG and the app was not showing owed money. If i hadnt changed supplier would i eventually have been in debt by thousands before they let me know. Incidently the person i spoke to was understanding but unable to help. I paid in full as im an honest person , but this should never have occured.