Terrible service!

It doesn't matter how well you pay or that you have a debit order. They still threaten with legal action every month. Even when my salary is paid in late and I phone to make arrangements for a re-submittance, they still send messages and emails threatening with legal action saying you have to pay more than the original agreement. And when you phone them, they say they can see you aren't behind on payments. But its still not good enough. And they just keep on billing you for all the emails and messages making ypur account higher and higher. And then they say its interest....