So angry - Purchased some clothes in M&Co 12July while away in St Neots. Always turn the store cards down but this time as I spent £120 in there thought the 15% discount would be good. Statement for purchase sent out next day while we were still away. Next get phone call from Creation Financial Services on 9Aug to say defaulted on payment were adding £12. Argued that only purchased products less than month ago was it normal to send statement day after purchase, kept saying I had 21 days from statement date to pay and should have paid. Ended up paying £12 and balance and said wanted to close account which said I would have to phone up and do in a couple of days. Today I have received a statement Thanking me for my payment and adding £4.26 interest. Rang customer services and after half an hour of arguing was told that it was infact an error on their part and would refund the 12 but could not refund the £4.26 interest. Again spent more time arguing then she asked if i still wanted to close my account. I said did not want to (lie) but would do if did not get my interest back. She refunded my interest and tomorrow I will ring and close the account. AVOID!! Had I not persisted with another phone call today would have been £16 out of pocke. How many other people have just paid because they were told they had to. Can't understand why I had to argue so much to get my point across. Hasn't done my blood pressure much good though.