Absoutely terrible service. I rang them a couple of months ago with a query. I was passed around 3 different people. None of whom helped me. I was on the phone for over half an hour. I called again today. I rang the number on the letter to be told it was the wrong department. I was told I would be put in a queue which ended with a call back option. I never got my call back after an hour. I rang again and was placed in a queue. After 10 minutes somebody came on the line and said I couldn't stay in the queue as they weren't taking calls and somebody would call me within 48 hours! It's just a shambles. How can we trust them with our money?