They're blooming useless. My OH and I had single claims before we got married, then I phoned to cancel the single claims and submit a joint claim after he moved in. They overpaid us for months then said it was our fault as he hadn't phoned to personally end his claim. I'd been phoning for months to try and sort it out but no one told me he had to call. It's now 4 years on and it's been to the ombudsman and everything, but they still say it was our fault and we have to pay it back.