Would have put 0 but it will not let me.I have had studio for years but since last year have not been able to access my account on line have reported problems numerous times and got nowhere, only to find now if you wish to make a payment don't try to ring off landline because it will not connect you have too use mobile phone. But craftly it does not state this on statements so they start putting charges on your account. Best thing to do is contact financial ombudsman as this is appalling. Puts peoples credit rating at risk last month it was the same problem after problem but now it's even worse. Fuming.