PFP sent me a letter, telling me that since I left and closed the account I had some money in my account, they then said that as a good will gesture they would send me my money and add a £5 credit to it. After three months of emails, facetwitter, phone calls, excuses, still nothing. The best excuses is they "had run out of cheque books", but I also get an email every week apologising for the delay... Then today I get an email asking if I had the original letter they sent me 3 months ago. And then to top it all they said they cannot pay the refund as the account is closed..... well duh. Please just stay away for your own sanity, its like dealing with fish. Yet again another tactic is to appear all helpful, then even a phone call to say we will send the payment, then nothing, don't fall for it, just move on, there are better out there. Now asking for the account number, when I even state above the account is closed, just don't do it. AVOID AT ALL COST, as it will cost YOU. Now they are telling me the account is closed and not due a refund, duh, I just put that the account is closed, and now telling me I am lying, so sent the 1diots at PFP a scan of the letter, appears that I am better organised than PFP but to be fair so is my cat. A few days have now past and guess what? yep no news, ie they have stopped communicating again. They really useless, dont even think about using them. Communication via email, live chat and telephone, and every time its like starting again.