It's a scam. This company adding fees for no reason. My direct debit didn't go through on the day of paying the instalment. It was reversed around 2 pm. But I had the money on the account when I checked only 2 hours later and made this payment manually. Now a week later they sent me a letter saying the payment was missed and added extra £25 to pay. And they are requesting from me a full instalment plus fee even that I done my last payment to them a week ago. This is ridiculous, they are the one who should pay me £25 extra for spending nearly an hour on the phone to explain this and get a satisfying result which unfortunately was unsuccessful and I have to pay them nearly a £100 and then eventually complaint to receive it back. I suggest to stay away but do whatever you want as this is only the option from my experience.
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