Stay clear of this company; they sent my dad a bill for £10,500, he's 72 and house bound. Explained to them it wasn't him and that i work in finance services. After getting no where, called them told them i as reporting them to the FOS, still fell on deaf ears. They are now £11,500 out of pocket because they let unchecked fraud be committed and the FOS ruled in my favour. The card was taken out in Oct 22 they let the debt run up without even a minimum payment until Jan 23 and apparently "thats how John lewis do it" thankfully i work in financial services and know the system. Shut this company down, limited checks carried out then credit is applied for and a sub prime lender.