For my sins I have worked for them, not by choice and not as shop staff, I needed a job and had never heard of them. If you take an average 42" tv the shop price will be say £1000 as opposed to £750 shop price at olther stores minus any discount available, maybe down to £550. If you have your own home contents insurance you don't need their version as you should be told but, not necessarily clearly and properly explained. If you take their policies over the full terms you will end up paying say £2800+ for a £550 tv! Is it really worth it? If you are buying used the quality is variable, it may be a returned or reclaimed item only a few months old but repairs can be very poor. If you buy a second hand sofa DO NOT PUT YOU HAND DOWN THE SIDE OF THE FIXED CUSHIONS WITHOUT STURDY GLOVES! They are generally not cleaned out and I pierced my finger on a broken pencil, imagine if it was a syringe! The shops are placed in areas of some deprivation, high unemployment, generally low paid employment and higher immigrant populations. They are generally placed in areas with kwik save, lidl, aldi, etc stores. Your treatment by shop staff will vary according to the person but they are obviously always there to get the maximum profit from you. If you have problems with payments pay as much as you can afford reguarly, ignore their threats and contact the citizens advice, trading standards, fsa etc. If you have car or home insurance you may be able to get free legal advice. Don't just stop paying, pay an amount reguarly until you can sort yourself out.