2020 in the UK and I too have just come across this DISASTROUS customer service. I paid the first instalment on a 12 month interest free credit offer, then tried to make a payment against a shorter 4 month interest free deal and found that this payment was allocated to the 12 month deal - leaving me no way to pay off the 4 month deal unless I now clear the whole of the 12 month deal first..... This is a scam as far as I'm concerned and needs another legal hammering
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