Load of nonsense once you take a loan from these crooks it automatically shows bad on your credit for 6 years , I had a loan in 2013, it defaulted as I couldn’t afford to pay it , I entered a debt management plan and was made aware the loan would be removed from my credit 6 years from it defaulted , it is now 2020 and they are refusing to remove that loan from my credit report , I was actually refused a mortgage last week because of it , don’t not take loans from these people they will ruin you and they do not care a less , an their customer service attitude stinks very cheeky on the phone when I rang them regarding my problem with them