This company will do everything to prevent you clearing your loan. If you don't pay it by Debit card then they delay the payment and try to add on charges. Their customer services (which is in America) cannot help you with anything you cannot find out yourself if you log on the site and there is no one in the UK you can speak to. Their online chat is equally as poor and takes ages. they are all very American with their 'valued customer' and 'here to help' but that is while they are trying to get you to take more money or delay settling your loan. Unless you plan to take the money and run and not pay it back, stay away!!!