Took 5 months to set up i used them for 7 months had almost payed them off when i missed a payment amd they sent me a letter demanding the whole bill again i had been paying off for over a year. I had to go into the bank and get proof of all the money i had payed them they dropped it. 5 years later they send another debt collection company after me for less money so again i have had to send off proof turns out they actually owe me money! Joke of a company avoid at all costs