Horrific company, do not go near them. Purchased ear buds through Currys, direct debt was never taken by creation then then charged late payment fees even though I paid online as soon as I saw DD had not gone out of my account (money was in my bank). I now have an 0.18p rolling debt that I can't pay online that they fine me for ever month but thet won't let me pay over my monthly payment amount to clear it. So £40 in charges every month for an 18p payment charge. Any help to solve this greatly recieved as tried everything and Creation do not respond to anything.