jd williams

[sheila2155]

anyone else got this catalogue? are they charging for goods on a monthly basis.? ie, asked for payment of �60 but �32 of this is for 'charges' so i only pay �28 off my bill. don't remember signing for or even reading this when i started shopping with them.

[chinadog]

Hi sheila, I used Fashionworld a sister site of JD and the same applies there. My monthly payment was �20 per month but out of that they took �8.50! Thankfully I was able to pay off the complete balance last month otherwise I would have never got to pay it off monthly with those disgusting charges etc. I wrote a letter saying they would lose a lot of customers,no reply as yet.

[CheekyChops]

The APR differs, depending on how you pay your bill: Minimum payment is �5. Our typical APR is 39.9% (variable) if you pay by any method other than direct debit, and our APR is 29.3% (variable) where you pay by direct debit.

If you don't pay be DD then you are paying 39.9% interest, which is massive and is why so much of your payment is going on 'charges'.

You should have read the terms and conditions before buying stuff and taking out a credit account. Did you think they would lend you the money for nothing?

[chinadog]

I take on board what you say CC but I've been a customer of Fashionworld for at least 15 years and the charges have never been as high as they are now.

[CheekyChops]

I know, I've got one myself and I agree that the charges are extortionate. Unfortunately I agreed to the variable interest rate at the time I took it out so I can't really complain.

[R1Geezer]

Are you completely mental? Pay em off and fcuk em off asap. They are leaches. If you can afford to pay these J Arthurs you don''t need credit. Apply for Geezer fact sheet no5.

I know it sounds harsh but really you have to snap out of it1