The loan its self is brill. However it seems fhe staff employed as 'CUSTOMER SERVICE' are the biggest waste of air ever created. You ask them a question and they spend 45 minutes ignoring what you have asked and trying to set up a direct debit which was never asked for. They then put yoy through to someone else whose supposed to help but also spend 20 minutes trying to direct debit you again which was NEVER required. Perhapes should use the intresfed rated money to employ people with INTELLIGENCE!