I used their options account to buy some baby items on credit for a new arrival. Every month I received a statement saying how much I owed and I always ensured I paid more than the minimum payment. A payment was due on April 19th and I made a payment on 27th march to cover this payment. On 22nd April, ISME texted me to say thay they hadn't received my payment for April 19th. I e-mailed ISME to challenge this and inisited that I had made the payment on 27th March. Isme responded by saying that this payment on 27th March was classed as an over payment from the previous month and would not carry onto this month ???? They then told me to look at the "payment allocation rules" which was even more confusing to me.
At the end of the day, I have made prompt early payments that havn't been accepted and I risk being flagged as a late payer. Should this happen, I will take legal action and in the meantime I will close the account. AVOID.
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