Avoid this company. Billing system is so complex that can easily lead to the slapping on some extra fees. Avoid these 'interest saver plans' more hassle than worth. Took over an hour on the phone to customer services to explain THEIR mistake which they admitted to and refunded me the extra charges. Now the following month it has happened again. Balances which do not belong to me appearing on my statement. So sick of this. Parcels don't turn up. I have today cleared my balance and instructed them to close my account right away to be told oh it takes 14 days.....but it takes 14 seconds to set it up! Wish I had never bothered shopping with this shambles of a catalogue. Please avoid.