I've read a lot of the bad reviews on here and am really surprised. I've been with them for around 3yrs, had absolutely no problems. They have been nothing but helpful and supportive especially through the pandemic. Yes they have said they're raising my DD but I emailed them saying no, I can't afford it, they have always accepted my lower offer. They are the only company to tell me I may be eligible for help as I'm on a low income and given it. They are responsive and listen. Can only assume the people on here giving bad reviews got a 'bad apple' in an otherwise great barrel. Sorry but for me they are an A** provider.