I have 3 loans with LS, I have not missed a single payment and they have credited money incorrectly to my accounts. Their entire system is automated except call centres which are currently not running due to covid. This means I have not been able to resolve the error they have made with them, but the automatic system has referred me to debt collectors and marked me as defaulting on payments. I have done no such thing. LS may have been an ok company prior to CoronaVirus and you can still easily apply for a loan with them cos it is all digital, but if their system makes an error, their is no ability to resolve it other than making a complaint to credit reference agencies and relevant regulators. This problem has been ongoing for me for 5 months now. I even got so annoyed I logged an official complaint which they finally responded to, it said to call them on their number, which i did. The number said no calls are being taken right now. They are quick to give you money, but they will screw you on extremely high interest and they have ZERO staff to contact about any issues you may have. Even the debt collectors who their system passed my debt onto told me they are exasperated by the way this company is currently operating. DO NOT USE THEM IF YOU CAN AVOID IT.