Firstly they withdrew home collections this year but didn't notify customers at all. Now, they have changed the process for paying off BNPL items and, even though you have paid the item off in plenty of time, they claim that you didn't "apply" it to BNPL so they charge you shedloads of interest. I have complained and asked that they wipe the interest as they had the full amount 6 weeks in advance. We'll see what happens next.........