Avoid like the plague! If it was possible I would give no stars to this company. I overpaid my direct debit by one month at the start of June but that payment was not deducted from what I owed - I was told by their representative that the payment is deducted at the end of the agreement! I then paid my loan off in full in the middle of June minus the payment they had on account. Their representative said this was right and that the account was then clear. Unfortunately I did not stop my direct debit so they took a monthly payment at the end of June. They will not return the payment saying that I owed it to them. I asked for a full statement of account in July and at 23 August (today) have still heard nothing. I asked for a letter saying the account was cleared in June and I've had nothing. I've checked my credit files today (23 August) and they all show the account has not been cleared. They are dreadful to work with.