After 20 trouble free years with this company I have now given up this catalogue. Why? For the first time ever I was charged a credit charge, and despite querying it they showed no appreciation of a loyal customer, instead they replied with a curt letter refusing to refund me and saying that was the end of the matter. When I work the calculations back myself I calculate that I was charged interest on a balance way in excess of the outstanding amount at the prior statement, and given that I paid in full for what I had kept, and returned everything else, I don't feel I should have been charged at all. No explanation given of how the amount was calculated, they just told me to 'off'. Do yourselves a favour, use a different catalogue.