I previously had an account with studio, I was really happy to start with due to the deals they had for Xmas, but then after my account was all cleared in November last year I have statements arrive in April telling me I owed money on my account for interest, which I was really shocked by as I always paid my items straight away. I called studio customer Care and was told this was not meant to be in my account And that it would be sorted, I then kept received demand letters to make the payment whichI refused to do as I didn’t own them anything which they confirmed they didn’t seem to k ow how to correct the account do it didn’t keep saying I owed money, then I notice that it kept saying I deducted on the payments which then impacted on my credit score, you have to be very careful of this company as they don’t really care about there customer , to them your just another little coin pot they can scam and make money off, such a shame the owners let it happen I’m sure they would not like it if this was there family members money or maybe they are so corrupt they would not even care about them either, good luck to anyone using them and check you interest rate and they put loads of these up on account without telling customer,