An honest review

Hi, Just to clarify this is an honest review of my dealings with Moneybarn...
I took out an £11000 finance loan secured on a car, taken over 4yrs which was calculated at £392 per month. Yes, I am going to agree that this is high but considering my credit rating isnt fantastic (actually classed as "poor") I could afford this amount as I earn £550 per week.
I have made every payment on time and in full. No issues
I have contacted them twice, first time to change address as I moved home, second time was to change car reg details as i purchased a private reg... I was not charged on either occasions for admin, time etc...
As far as I am concerned, I have received my statements and documents on time, never had an issue so I will say these are a good company so long as you are a good customer.
If you agree to the payments, term time etc then you should stick to it, and you should always consider sickness, accidents, time off work when considering finance.. I would recommend but would be honest and say the APR is very high but what do you expect when lending money, they need an insurance blanket should you not make a payment etc like most of you on here are stating but then slagging the company off as they dont go out their way to help you...
Like i said, an honest review.
4 stars for the simple fact of the high apr rate otherwise it would be 5