Choose the beaconside place if you lack sufficient sources of irritation in your life. I used them for about a year some time ago, choosing to pay them by the month since I had no idea how long I was going to need the facility. I had to terminate the contract because of the habit of one particularly eager young man of ringing me up at nine o'clock on Saturday mornings to remind me that I should have paid them a fiver or so a day beforehand and demanding that I attend to the matter there and then. No amount of my pointing out how counterproductive this behaviour was would sink in, friendly as they were, so I left. Other than that - which was enough for me - it's fine, although I'd suggest not visiting on you own because it's a bit creepy.
And before the organised brigade give their penny's worth, yes I have heard of direct debit and you don't know the circumstances.
