Company is set up to trap low income consumers into debt. By offering you credit at one rate, and then increasing your spending limit, to encourage you to spend thinking interest rate is manageable. They they hit you with a 19% interest rate rise per month!!!! On top of what you pay already, with hidden charges such as late payment fees which are £12 plus interest on top of late fees. Everything this company does is to trap consumers and maximize profit. When you complain or ask for your credit agreement, studio will ignore you, and will refuse to freeze interest while they investigate. They will drag out the complaint for months and months and months, in order to keep claiming interest, and even when you complain to the ombudsman, they will require you make a payment plan outside your credit agreement, instead of actually honoring their original credit agreements. They lie, manipulate, and have usurious practices. I would advice everyone with this company to request there credit agreement, and account information under the LEGAL SARS request, you can find a template online google. Look at all monies you have paid, and the invoices and add up charges, and compare with your credit agreement. Also if they deny you your account information outside of 8 weeks, which they will do, complain to the ombudsman and Information commissioner. With enough complaints, about how this company treat its customers, it will come be held accountable.