If you have a barge pole do not touch this company with it .I am taking my case to the ombudsman as this companys employees and managers are woeful at admitting their errors. I recieved no reminders of default notices and no notififcation by e mail or text .Every time I contacted them to try and arrange a repayment plan they were totally imposible to deal with ,totally intransigent, asking for ridiculous amounts to be paid immediately .Normally £500.00 . They are probably THE most expensive company out there..I have missed a total of four payments and have neem charged £3500 in fees. They exhibit a total lack of empathy .My car was reposssessed by a thug who assauted me in the process ,I was charged three lots of fees for this! I then reluctantly paid after being told the car would be auctioned that week,which again is wrong as I should have 14 days! I then face a 40 pound train journey to collect the car . Do not go there I implore you.