I can not believe this company is even running!!!!! Still awaiting a call back! I opted for pay in full 4 weeks later I had a payment due so i rang customer services who are rude and have no clue what they are talking about!! 4 months on they have added interest and late payment fees to my account and will not respond to my emails or letters!! They have incorrectly affected my credit file! Absolutely discussed !!! They rang me a week ago asking for a payment I explained my complaint and that I want a call back! I was promised a call back that day still nothing! I will be contacting the ombudsman!!!!! Do not use VERY!