I set up a direct debit for a monthly payment to Jdwilliams. This was done the day I made a first payment. A month later I find they didn't action the direct debit and have charged me £12 for a late payment instead! Daylight robbery, in my opinion. In spite of contacting them they have done nothing about this other than send me a letter thanking me for setting up the direct debit! I wrote to them again and there has been no response almost two weeks later. At the moment I owe more than I did after I made the first payment! Their financial department is clearly incompetent and I will be closing my account. I do not feel I can trust them with my financial details. God help people when the Xmas rush overwhelms them.