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★☆☆☆☆

“Disgrace ”

written by hayleyhen on 22/10/2015

I always put my goods on a bnpl and pay this! But I set up a DD on the advice of my father just incase I missed Atleast the safety net was in place to take the minimum payment!
Well bill came in this month for £10.99! I reserved £150 items in store they reserved them all as been in stock but when I arrived one £10.99 was out of stock ! Therefore it was ordered in for me and I asked if this would be added to the bnpl, yes it will and they got a manager to do this when I went back.
However I saw the £10.99 had to be paid this month and it appears they only put that on a 3 month deal instead of the 6 month that it should have been
I looked at my statement and thought I'm not ringing them to get it changed
I shall let the £5 minimum come out via the DD
Checked my account a few days later to find i'm £5 in arrears
So I call them and pay a payment and I am told not to worry as the £12 will be credited back and my credit file will not be affected. If your balance is zero for a few months your DD cancels automatically
Anyway received a letter to state my credit limit had been reduced by £300 and the card would be blocked until this had taken place!
I called them straight away and spoke to the rudest woman who just wanted to argue and call me a liar
Saying I had never paid by DD so they don't believe I had one set up
I explained no I never had a need to use the DD as I would always pay the bnpl to avoid interest charges
She said you have never called us about a DD
I said no I set this up online I didn't call
I asked to escalate and then called back several hours later
I was told don't worry we will get this sorted now
I just need to get this department to get this done but it won't be an issue as of what you have told me
To be told that department won't speak to me and have made their decision
I'm so angry

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