I always pay my Credit card in full each month, but continually have problems paying into Newday A/C, rejected, try again etc, never any problems before Newday came on the scene. I paid my Last invoice to the Sort code and correct Account number with my account reference as well, it went somewhere else and could not be traced !!! My account was showing still not paid, I telephoned the number on the bill and got an outomated answer service, I then called into John Lewis in Chetenham who could not help, but put me through to Newday finance, they said they will send me a letter and try and explain what happened, I told them I am on the phone to you now, so please tell me, of course, they didn`t..............I could go on !!!! I will not be useing the card any more unless you go back to your original bank. The service is appalling. JOHN LEWIS TAKE NOTE, it would seem I am not alone. Goodbye