Avoid like the plague. Creation is probably one of the UK's most fraudulent companies. When I signed the original agreement (Currys PC World), I made it clear that I wanted to make additional payments, on a monthly basis, so that I could clear the balance in a much shorter time frame than the original 36 month period. When trying to make card payments on their website, they reject ALL of them. I have subsequently tried to make payment over the phone (an automated system) and my card is rejected, with a "there was a problem with this....please hold whil we put you through to an operator" - this never happens. Waiting 1 hour, nothing. I have also emailed them without any resolution to this issue. Creation are in breach of their agreement and I will be escalating this to the financial ombudsman accordingly. After some research, it transpires this issue is widespread across all UK & ROI customers of Creation. If anyone else is experiencing this issue, I would urge them to immediately cancel any direct debits they have in place, as Creation are in complete breach of contract. In simple terms, AVOID this shower at all costs. I'd sooner deal with a loan shark. What surprises me most is that this corrupt institution is owned by BNP Paribas, a global financial institution that has (sorry, "had") an excellent reputation....