Hi I have just got an account from Creation from DFS and my first to payments have been declared as late. I have contacted my back and the say both mandates have no date for collection of payments creation have tried to get 2 £30 charges but this is there mistake. They have sent a 3rd mandate so hopefully 3rd time lucky. The first lady on the phone demanded i paid the late fee but i wanted to check with my bank i was told if i hung up the phone without making a payment they would charge me another £30 is this a problem other people face when phoning creation being threatened for payment. This is there fault not mine the bank details are correct and there is money in the bank