I ring up every month to make additional payments to clear the balance. The operator either pretend that they can’t hear what I’m saying or they tell me something different. This is the first time I’ve had finance and only went with start line because they offered me the best apr which was 15-16%( Iknow this is still high). I was lucky enough to have the money to pay off extra every month or I would be stuck with them for 3 years. But every time I rang them to make a payment there would be an issue. They didn’t want me to make the payment, they would reduce the monthly direct debts payment so I would end up paying longer with them. The phone would crackle, they would pretend they can’t hear me. Confusing stuff about payments. I would avoid them I only used them to start my credit rating. THEY DONT WANT YOU TO PAY THE BALANCE OFF EARLY!