Pay your invoice!
The majority of complaints are from people with a shocking credit score based in their credit limits. Everyone kniws invoices come every 28 days, obviously they have access to the internet so if for some reason they dont recieve the invoice they can view online and pay or ring yp and pay. If you dont leave it till the last minute paymebt slips can be sent off or you.can pay with a debit.card, bank transfer or giro slip. Ive got a minimum amount direct debit set up so payment is always sent and top this up with debit.card payments online to avoid excessive interest payments. Theres no excuse at all to miss a payment and get a £12 penalty fee because judging from the majority of people complaining having a bad credit rating with low credit limits their minimum payment every 28 days will be between £10-£20max so no excuse at all. I was brought up to always pay my bills and i have. In the rare occasion i need to use my credit ill make a plan to pay off the balance in 2-4-6 months and if i cant afford to i wont get it. With credit accounts being closed without notice the only time this happens in when a customer has already ripped off and owes money from another catalogue under the JDWilliams umbrella so find it comical that someone is complaing for being caught out, why would anywhere givw credit to someone whos.already stolen off them? That would be ludicrous. Im sorry to hear of the minority genuine complaints amd the only advice id give is corrispond in writing only so theres a hard undisputable copy of whats been said, with the majority of complaints concerning peoples dishonesty and blatant fraud maybe you should spend more time paying bills than come up with ridiculous reasons why you didnt. If you didnt get paid from your job 1 month youd be on it straight away so maybe if you dont get an invoice one month you should treat it the same.