This company clearly does not know what it is doing. I have a buy now pay later account which the 1st payment is due in May 2024 however today (Feb 28th) I got a letter saying my account was in arrears!! The letter also goes on to threat all sorts of various things in relation to the arrears which even in the letter says are zero!! They even added a £30 late payment fee to the account which of course is breaching the contract on their part as no payments are even due yet. I would have no faith in Creations systems or staff and I would definitely not deal with this company again and have raised a complaint and i if no satisfactory outcome I will be raising with the Financial ombudsman. I would recommend you avoid this company.