Been with them 2 months only 6 of 8 payments paid. Had to ring (to get though is almost impossible, and massively time consuming) when I did get though almost invariably unhelpful, unable to assist. They have automated message that, regardless of time called, saying they are experiencing high volumes of calls, this is incorrect, They clearly have insufficient staff to field the number of calls. if there are high volumes of calls then employ more call handlers, or do your job better so we dont have to call to find out where our money is. Hearing "you are number 27 in the queue" is soul destroying. The failure rate of 25% of payments not paid is alarming since this is all they do. imagine only landing 75% of planes on time or only 75% of your patients surviving surgery. Don't go near them they are woefully incompetent. Thanks HMRC for IR35 and making us pay more money to a third party to mess up my payments. Makes we want to move somewhere with more governmental financial acumen and businesses that do what they say. Greece springs to mind.