Opened an account and realized the DDM had not been set up for the first payment, so made an online payment the day before due date. Have been pestered for an overdue payment whilst out of the country and charged £30 default fee. When spoke with Creation, I was advised they hadn’t received the DDM mandate from Currys in time (despite it all being completed online in store) and any payment made before the due date is classed as an overpayment and I was still in arrears! Had to make another payment to clear the supposed arrears so am now in advance, however, if the DDM is not set up for the 2nd payment and I don’t make a payment ON the due date, I will be in arrears again. Confused, I am, wouldn’t recommend as they seem to make up the rules as they go along!