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I used to have a cc account with them which I allways paid off each month as I do with all my cards. Through a clerical error on thier part they charged me one month about �25 which I didn't owe. I entered into a long long debate with them and proved thier error on many occasions, they kept saying they would sort it our for me, month after month I kept getting these demanding letters from them and each time I would ring them (Somewhere in darkest India) but still they hassled me.
Finally one bright and sunny day, I got a letter to say it had been finally sorted..... I cut the card up and put it in the envelope and sent it back to them explaining my disgust at how the matter (which was illegal anyway) , had been caused and handled by them I never heard from them again....... Pete
Ps I have had cc's and ddc's for loads of years and have Never had to pay anything in the way of interest, I honestly don't know how people get into such a state with thier card management.