Waited over 8 weeks for a reference to trade with a company who required a short reference. Multiple complaints, Staff that hung up the phone on me because he didn't understand why I was so annoyed that they wanted to resolve my complaint after 8 weeks, when they still hadn't resolved the issue as to why I complained in the first place. They do not call back, you can't talk to anyone other than someone who never has any authority to do anything, protecting management from disgruntled customers. Seriously very low standards and should not be dealing with business accounts, Well out of their depth! Save your self a whole world of pain and avoid Virgin money like the plague!