What does take 3 actually mean? I'm so confused. My balance was £67 and they asked for my first payment of £41.63. I was never great at maths but even I know how to divide by 3? Poor customer care. Operator could not grasp what I was actually talking about and why I was so frustrated. Took 3 months to credit a return. Every month I have a billing query. Now going to pay off account and close. It's not worth the hassle as they don't understand ? ????