This company is the worst I have ever dealt with. constant extra fees, constant emails and calls if you are a day late with your payment. Cocky staff on the phone. My bill isn't due until the 24th December but they have already TRIED to put a late payment charge on it, too which I have now sorted out after yet another meltdown on the phone with them. I suffer badly to with anxiety and depression and after a full day of non stop calls, emails, text messages when your less then a day late with my monthly payment you end up wanting to hang yourself. joke company AVOID AVOID AVOID!!!!!!!!!!!!!!!