DO NOT BORROW WITH THESE FRAUDSTERS Horrendous!! Didn’t take my direct debit details when the credit was taken with AO, so then proceeded to send a letter and email saying they’ve reported it to credit reference agencies until I pay. I try to pay by card, website says ‘we can’t accept payments at this time’ so I set up a direct debit for 100x the minimum payment in which they proceed to not bother to use to take a payment, withdraw the credit offer that exists and threaten credit reference agencies again. Suffice to say I had the cash to pay it off anyway so I’ve paid it off because THEY HAVE NO BLOODY CONTACT DETAILS TO DISCUSS WITH ANYONE! Absolutely atrocious none of their systems are talking to each other clearly. I’m appalled.