I've only had good experiences with them. I use them to boost my credit rating (which is going well, it's now above average!) and I've never experienced any of

I've only had good experiences with them. I use them to boost my credit rating (which is going well, it's now above average!) and I've never experienced any of that. I was at one point late with a loan repayment (they took the payment a day early because of a bank holiday, caused me problems) and they didn't harass me or phone at all, they simply increased the amount that I owed.