I bought a kettle on BNPL last year and received no correspondence regarding it post purchase - it didnt even appear on my online account, so i had no idea when payments will start or a way to pay it off until payments started coming out of my account (luckily i found out you can pay over the phone and settle) even after paying it off i’ve still not received confirmation my account is closed. I also bought a microwave on finance but this time it appeared on my account and settled it in full. But again i hadn’t received confirmation my account was closed. So out of curiosity i called the same number i did for the kettle and despite paying the TOTAL amount on my online account manager i still owed £2. This all came about because after i paid off my microwave (or thought i had) i cancelled my direct debit. On the 5th of March i received a letter saying my direct debit had been cancelled and payment is required by 6th March 22 (a sunday). Naturally i was confused because no payments were due? I had settled it all? They also said if i don’t pay by 6/3/22 i’ll be charged £30 for a late fee. This also made me concerned for my credit score (being late for a payment can’t be good). In conclusion, i believe all accounts have been settled so any further issues regarding payments now are on creation. But this company is awful , taking a look at the reviews and my own experience - even trying to call them is a mission. Never ever again and you can stop sending me letters asking if i want a loan!! A JOKE!