I received an email regarding a refund but was not told when I will be refunded. Contacted them multiple times throughout an entire month, no actual response, just generic replies about what services they offered. Statements are a mess, I was suddenly in debt for over £1000 and then suddenly in credit for over £800, all in one day. Had to phone them multiple times to get them to issue me a bill for the month of Jan 23, took them 2 weeks and countless calls to somehow manage to do that. Had to contact the Ombudsman to raise a formal complaint