I have been a customer of Littlewoods for nearly 20 years but recently things have gone downhill rapidly. I had a payment set up for the same time each month for over a year which was fine, but suddenly I received a late payment charge. I suspect they have changed some t&c's and changed the due date. Anyway the same thing happened this month. It took ages to get through to someone in the customer services department and then the background noise was such that you couldnt hear properly. The advisor spoke really bad english. I explained the problem but she had no interest in improving my experience or repaying the charge even for a very loyal customer. Given their total disinterest in me as a customer, I just paid the balance and told them to shut my account. I am not expecting them do it without incident. If you are thinking of becoming a Littlewoods customer - DON'T