cannot get a loan or mortgage thanks to this company. Followed cancellation procedure, was told my account would be cancelled and nothing more to pay, great I thought. Cancelled DD and moved house, 1 year later I applied for a loan and was rejected, checked credit score and my account had been on default for a year! Called and paid and asked why they didnt call or email me, was told they had sent letters but I told them I was moving! that was why I was cancelling! The didn't care at all. Said I had no proof of what the agent said and my credit score is now ruined for years.