Change interest rates on goods already purchased so eg a grand on the catalogue Apr changed over night from 34.9 to 39.9 on items purchased on a different APR. Clothing over priced. Complaints department are absolutely a waste of time. Monthly direct debit, no no no not with these crooks. They do 28 daily so eventually it will lapse eg 2 days before you are due to be paid from your job. The direct debit will bounce then they charge £12. On every level a sxxt company. Not to mention a year or so ago my account was hacked due to their systems. Some moron ordered a laptop to somewhere in Manchester. Il pay this down and shut down. DONT MAKE THE MISTAKES I HAVE.