Like many, I experienced a drop in income during lockdown. I took a payment holiday with this bunch of jokers. On getting back in touch to arrange stepped up repayments they wanted an additional £100 on top of my existing repayment which was not feasible. I asked if I could even recommence full repayments and deal with the arrears at a future point but they refused to accept my payment. Raised a complaint, never heard anything for over 2 months, then got a letter advising my agreement was to be terminated!!! I must have made over 20 calls and could never get through -trying to explain that I did not have time to wait half an hour during the working day did not seem to compute. I have another two cars on finance and the companies could not be more helpful. Avoid avoid avoid!