Reading these reviews it suggests this company is a money grabber however in my case I owe them at the moment a few months ago they wanted to increase my payments but I asked them to put it on hold since then I am in debt to them Phoning is no problem they listen to what you say and work with you I am in the process of asking them to increase my payments in fact I am going to pay them the outstanding money I owe them I find them very fair and no I do not work for this company for those customers who appear to have problems just explain you would like a line manager to examine your your account