Awful company, dreadful communication. Ordered Care Bears for my daughter for Christmas. Failed to inform me that they couldn't fulfil the order. While on the phone which took 30 minutes to answer after listening to how they could help if I was struggling to make payment, they told me they were out of stock despite the website stating they were in stock. Miraculously they changed to out of stock half way through the phone call. Issued me a refund before asking if I wanted to do so and told me I could re place the order. Everything is cheaper anywhere else will never use again, a company that hopes people will not be able to make the payments on their accounts so they can fleece them with late payment charges. Started sending me emails about taking a loan with them, no thanks I'd rather ask a loan shark. Bring back the high street. AVOID.