Hi there I'm also having this problem, but bad news they have ceased to exist stop all payments to them. I'm now looking at try to recover my money as well. Like you I paid for 6 years and found out today they have NOT been paying the creditors. I'm now classing this as fraud and I'm getting the police involved. They have had offices all over the place. I'm trying to build a case file against the company. They where still taking payments from me last one in march but now I've stopped it all. Don't try to contact them as they won't answer anything. The hunt is now on and I will get them. I'm even going to bbc watchdog to see what they say. All the best sf luck.