Nothing goes by itself with this organization. You...

Nothing goes by itself with this organization. You have to go everywhere, deal with you impersonal and immediately punish you if something once goes wrong by mistake (eg depreciation of their laundry later than usual, so that the amount was not completely correct on my account and the depreciation went wrong ). Then they said (they say) by letter (seriously? Why not an email?) But I did not receive it. A month later I received a fine over it. I have to be understanding then, but they can make a mess? If you pay off more mortgage, no one will help you to apply the lower interest to which you are entitled. You also have to put a lot of energy into this. The best to reach by phone and then treat you reasonably well, hence the 2 stars. But it is really not up to date how they manage their affairs. It's just below par. Regret that I chose this company. Anyway, you are quite stuck with such a mortgage :-(