welcome are a joke! i took out a loan from them in march this year and fell into difficuilty for making the payments i contacted them to explain the situation and was told someone would be in touch to help me manage my account no one got in touch so i had no option but to cancell the direct debit i then recieved phone calls from them about missing payments but were all recieved while i was at work! i asked them to call me back at a suitable time( told them when my breaks were and when i finished) i tried calling them but was told the person dealing with my account was busy and would call me back he then spoke to my mother on the phone telling her that i was in debt and was missing payments and that they will soon be visiting HER house to start repossesing goods! i finally spoke to a manager and agreed a new payment plan but they keep trying to increase the payments that they know i cant afford