Completely incompetent. Was forced to go on Direct Debit to get the cheaper rates. They confirmed it was set up and I didn't need to worry. They then fail to take 5 payments despite emailing me to them me the payment was goin out on 4th of the month. Even though I have pointed this out on 5 separate occasions and was told it was all fixed, I am being emailed to say I am behind with payments.