I told you good time to buy, page-1560

Yep real little sweetie pies. Not. These people put lipstick on the pig and told naive people it was somehow better than the pigs (existing credit facilities) they were already unable to play with (for their own good)
Nowhere else would a supplier get away with increasing fees by 30%. That new customers still sign up to this stuff is beyond me. Beware of people who build debt traps. They love themselves, and money in their pockets, more than they love you.
As shareholders, it's really surprising that they've managed to keep the negative sentiment among customers, from boiling over. This sentiment will be increasingly loud as economies tank and people become more stuck with their debt. This will make growing/retaining customers ever more difficult and expensive.