In December 2020 I brought a gaming laptop for my son interest free if paid by the end of December 2021. So 3 weeks before the end of December I make sure I have the £1,000 in my current account ready for them to take, but it was not taken, get to the end of January and I find £65 taken from my bank under the name of creations. I hadn't been shopping for a few days so I knew i hadn't brought anything. I couldn't understand why it had been taken so I thought I've been scammed. Later in the evening my partner said is it currys? so straight away drove down there feeling sure it would be sorted out. But no it wasn't. Currys told me creations is the finance company for them but there is nothing they can do, they gave me a number to ring next day as it was closed. Next day I rang creations, after going through all the options, press 1 for this and 2 for that. etc. and waiting for a while I finally get through to someone, a Chinese lady who I could barely hear or understand, I explained the situation to her, she told me to hang on, I did, then got cut off! So I tried again and again and again. I tried again next day, 30 minutes on the phone waiting because they were busy, nobody answered, I hung up because I was worried about my phone bill,So this had being going on from the Monday. I had tried logging on to my currys account but unfortunately I couldn't find the password as my son set it up, because I'm 60yrs old and not computer savvy. And he didn't know it either. I tried reseting the password but it would not let me, so after several attempts and days of frustration, no sleep and a lot of tears I go back to currys. After 2 hrs of trying to sort this out I get through to someone on their phone. Then get told I should of logged into my account to pay it by the end of December. Both my son and I thought the money would be taken automatically by them. so because i had gone over the date to be paid I had to pay £275 interest on top of the £1000 for laptop. And that's without my phone bill. I had no messages or emails from these people, it's just like they hope you will miss the deadline and then have to pay the extortionate interest. If they could easily take out the interest why couldn't they take the 1,000? I am so bloody angry. I've had a day from HELL. I now have no money for food and all plans for my social life cancelled. Because I've been ripped off. so I was right in the first place. They are SCAMMERS!!! People please beware of these CROOKS!!!