My wife has account with JD WILLAMS and noticed that something was not right concerning her payments and the interest on her credit agreement after getting in touch with them and question the interest of 44.6% she was told that she was being charged 63% and apparently they have the right to increase the interest charges and she had not been informed about this in writing . We constantly get warnings about loan shark's and to be wary and you have got a company Like JD WILLIAMS USING A BACK DOOR TACTICS. They say that it is to cover themselves of people's credit ratings my wife has been with them for years never missed a payment and she has agot credited cards at 20% other mail orders like LITTLEWOODS don't have this underhanded tactics (WARNING EVERYONE WITH A JD WILLAMS ACOUNT PHONE THEM UP AND FIND OUT WHAT THEY ARE REALLY CHARGING YOU) you might be surprised and shocked. My wife has passed the information on to the Office of fair trade and the banking ombudsmen look out for a link on YouTube (CHECK YOUR ACCOUNTS NOW)