Ever since they closed their branches (about 10 years ago) their customer service has gone downhill fast. They have been sending this message where they urge me to accept the new conditions. I wrote two e-mails, called the customer service twice and in both I asked for a comparison (old conditions vs new conditions). I´ve been waiting for an answer for over 4 months now. Nothing. The person on the phone said they´d send it via e-mail. It´s been almost a month and still nothing. What a joke. I wonder if they even read people´s reviews.