Had to take P.O. Money through their complaints procedure then subsequently to the Financial Ombudsman. This was because they issued me with a new credit card (which worked) then inexplicably sent me a replacement card (which didn't work). They kept assuring the ombudsman that my card DID work. After many weeks which included P.O. Money sending me yet another card (which didn't work) & offering me some compensation which I rejected, they eventually showed themselves to be a little bit economical with the truth to the Ombudsman, I was awarded an improved offer which I accepted. I won't be using P.O. Money for anything in the future.