Bought a cooker on AO 12 month intrest free first DD one month later before that could happen had a £5 transaction fee (as yet not explained) added to my newday account. Got a text to say they had not been paid set up the portal account and found there is a charge but no details as to what its for. Attempt to pay it and card wont process takes up to 72 hours. few days later I see the payment plus a new £12 charge for LATE payment. wasn't late you processed it 2 days after I made it! Then i get a email tonight saying because iv broken the credit agreement there now going to charge me interest at 19.9% for the rest of the contract. i log in and attempt to pay the entire balance to avoid any such rubbish. only to be presented with a OOOPS something went wrong every time i try to make a payment same as when i tried to pay the £5 *fee* This will lead me to never use AO again for any service and have all ready contacted them to close my account (which you can only do by phone) ill be calling new day in the morning but having looked at the reviews here i don't hold much hope.