We have had the same problem, they won some money for us which was taken off the credit card and not given to us! Then we got a bill for about £900 which they "agreed" to let us pay over 6 months. Now after 6 hard months, they always took extra money when they felt like it! They never gave any back when they ha taken extra that month, which left us short, or should I say shorter! Then icing on the foul cake they are still taking money of us even tho we have paid them, and low behold we can't through to them, and when we do it will rake months to get it back. And the bank tells me that because they put it through as a card payment they can't stop it!! Ahhhhhhh they are awful people!!!!!