Avoid like the plague!! No idea why but every year they try to set a direct debit up, every year I cancel and complain! This year I logged and official complaint, after 2 months someone emailed me apologising, offering a refund of MY money and a goodwill gesture, emailed back to say i wouldn't accept then nothing again gor a month! Call centre just hang up on me when i call so looks like it's the ombudsman for these clowns!