Agree completely. When I was a student there were a bunch of these companies. One of my friends used one for he and his housemates to split their bills. After

Agree completely. When I was a student there were a bunch of these companies. One of my friends used one for he and his housemates to split their bills. After a year, the company stopped paying the gas and electrical companies but didn't stop taking money from the students. The company then folded, closing their offices. My friends were left with bailiffs and debt collectors chasing them for the unpaid gas and electricity bills (about £2500 iirc) which they had to pay. I would never recommend anyone insert middlemen in financial transactions if at all possible.