I’ve been a customer with JD Williams for a couple of years now and I find the company absolutely awful. At first they used to sell children clothes but soon stopped that but as time went I stopped using them and they increased my interest rate without prior notice and charge me high amounts per month towards my balance. I paid a large payment towards my account thinking my monthly repayments would decrease but they still keep charging me £39 interest when my minimum payment is £43 so my account only goes down by £4 per month(which after finding out my new higher interest rate and calculating how much I would be charged each month on my lower balance after paying the large sum off I would of thought my minimum payment would of been reduced due to not having so much balance outstanding on the account but it seems that they’re still charging me for the higher balance-I challenged this with them and they just fobbed me off with excuses so going to pay off the rest of my balance and happily close my account as feel they’re just robbing me of my money and charging me ridiculous amounts). Absolute con-avoid!