Same as others around Nov/ Dec 2024. In decline since May 24 when every payment started to be late & random, with no communication. Other bills affected. Certainly not 'Guaranteed' risk free/ stress free or 'on time' every month 😂. Romford office (Scott Wilding) now with the Insolvency specialist/ Bankrupt. Now have my property back, but out of pocket and with a Tenant in property. Waiting to hear from Insolvency specialist for any money owed. Head office promised Insolvency will be in touch by 02nd Dec. Still not heard anything. Probably best to avoid the closely conected Southend, Clacton/ colchester, Brentwood franchise Branches.