Well all I can say lessons learnt do not set up an account with J D Williams they are the worst mail catalogue company ever. Their interest rest are so very high indeed complete rob dogs. I payed my bills all through the Pandemic never missed a payment with them. Paid a large amount off in June. And last month I was two days late making a payment through being Poorly and they charged me £12.00 for this. Shocking when you have been a good customer. I am in the process of legally having this all checked. Funny how they Pay top Stars on Tv for their Advertising of clothes. What ever has happened to good customer service.