Wish I could give no stars. I know it ismy responsibility to pay back what I owe but not was I done over by the apr ( mainly my fault ) but i had not spoken to them for about a month. All of this during a relapse of my mental health, work has been cut also due to the pandemic and other issues which i know aren’t there fault but never known a company to get terminate the agreement so quickly and hand me over to crs. Everyone else I’ve ever gone with have been more sympathetic and i was also charged on my phone bill as I was redirected to somewhere where I was charged for phoning abroad. From what I’ve seen on there reviews it appears they are all fabricated also. I know it’s in there benefit for me to get into bother so it’s more money for them but I didn’t think that during this pandemic they’d stuff over a key worker just cause i haven’t spoken to them for a while. I obviously should of been in touch with them and there technically in the right but ethically the worse company I’ve dealt with.