i havnt but what are you worried about?is it the interest?i think its a great way to get what ya want with really small repayments.you can do it 2 ways.you can take a loan and pay it back within 10 months with no interest which would prob b ok for you cos you already have some money towards it or else you can pay 75pounds a month and i think it takes about 2 and a half years.aww try not to get too upset,hopefully you will sort something,good luckxx