If I could give a minus 10 I would terrible company they state 39% apr on a loan it's a lie try 200% interest also they mess up your monthly payments so makes you in arrears also set up payment plan to pay back arrears get to my last payment then add 180 pounds onto it thinking I wouldn't notice it when I only owed 151 pound but sent later stating 331 pounds I have both after I rang to make a payment asked them to resend the original letter from 17th October and they send me a total different letter dating 23rd October to try and cover themselves ripping me off stay well away from these criminals all they want is your monet I got a 6500 loan supposed to be at 39% interest and I'm paying back 15000 these are a joke Stay well away from these they should be in jail shocking