Takes your money without permission and don't refund it.
VERY DISAPPOINTED WITH THIS COMPANY.  Been a client for a couple of years now. Paid my premiums every month - when I cancelled my last package and stopped my subscription I asked them for a refund on the last debit order as I told them I did not want the package.  Then they send me a voucher. I phoned them a couple of times to asked for my cash refund. Nobody comes back to me or if I get hold of someone they tell me a other consultant must phone me on feedback about the refund.  This has been going on for a month now.   They debit your account on something you did not order and then it takes ages just to get your money back.  Or positive feedback.  Still did not get my refund.