1. I would give no stars if I could. 2. Studio rip you off. 3. I paid my bill in advance 4. I have still received a bill ignoring my first payment. 5. I have paid over the cost of my items as I have had problems with Studio previously. 6. Their call charged are exhorbitant. 7. My account balance on their website does not correspond to the paper statement I received. 8. Interest date is the same as the statement date and I received the statement four days after that date. 9. I shall not be buying from Studio again and shall take the to the Ombudsman if I need to. 10. Such fraudulent organisations should be shut down.