I have been a customer for many years, never had many problems really until now. After being advised that I could take a payment break whilst on furlough and not be penalised in anyway if I still make some payment each month, which I did and actually still paid the minimum payment so didnt really need a payment holiday. So why has my interest rate shot up to 54%?? Which means if I pay 100quid? Roughly only 50quid is coming off my bill.... day light robbery. I have sent 3 emails now and also paid the account in full. When sending the 3rd email saying i wish to close the account and stating the reasons again, i actually get a reply saying if i confirm the closing of my account first, you will then look into the other issues... well obviously i wasn't born yesterday so the account remains open until you respond. If you don't get back to me then maybe i will take this further to watchdog... especially after reading your reviews on trustpilot.