This has to be one of the worst companies I have ever had to deal with. Before Christmas it was taking on average 45 minutes to an hour to get through on the phone to speak to someone. They did not respond at all through their website portal, so why they provide that I am not sure. I started my application and after 6 months my original offer expired, as the interest rate had gone up in the meantime, it now means I am £600 per year worse off. That's £3000 over 5 years! Recently the service improved, Rebecca Jubb my new account manager has been very good, my previous account manager was totally useless and did not even respond to my messages. Some of the staff on the phone call were good and helpful but the company deserves less than the one star I have given it.