Additions direct warning!!!!!

battlestarone

Have you got a additions direct account,or thinking of getting one,or has your partnet got one,get shot of it asap...

They have just put up there apr to 44.9%,this has to be one of the highest around,total rip off,once we clear it ours will be in the pin and account closed forvever.

Check your junk mail for the letter thiety sent out this week,44.9% beware!!!!!!!!!!!!!!

System

thanks for that im about to pay and cancell my account in the next 2 weeks because i thought 39 % interest was too high.

suziemaclondon

Further to their outrageous levels of interest on credit accounts, I tried to place my first order after having received a letter (addressed to me personally) offering me a discount code (£30 off when I spent over £60 on my first order).

Despite the 'small print' stating the promotion was valid until 31st August 2009, they refused to honour the discount claiming that, due to 'abuse' of the offer, it had now been withdrawn!

I spoke with a manager in the call centre who could not help at all. When I asked why I should bother shopping with Additions Direct, if this was the way they treated new/potential customers, he couldn't answer me! Naturally, I did not place the order.

I have since been in touch with Consumer Direct and am awaiting a response.

mrcol1000

suziemaclondon wrote: »

I have since been in touch with Consumer Direct and am awaiting a response.

Couldn't you just shop somewhere and save everyone a lot of hassle over nothing?

maninthestreet

Why not avoid paying interest at all by paying for the goods up-front, rather than using credit?

flower24

maninthestreet wrote: »

Why not avoid paying interest at all by paying for the goods up-front, rather than using credit?

It's ok saying that but for those of us who already have credit with them there's not a lot we can do. I would think most people who do have credit with a catalogue can't afford to pay the full amount or they would have done in the first place. Our bed broke and the only way I could get another one was through additions.

mrcol1000

immynjoesmum wrote: »

It's ok saying that but for those of us who already have credit with them there's not a lot we can do. I would think most people who do have credit with a catalogue can't afford to pay the full amount or they would have done in the first place. Our bed broke and the only way I could get another one was through additions.

I disagree we have about three catalouges and pay them all off straight away. If you can't afford something then don't buy it. If you need something and can't afford it use a credit card.

flower24

mrcol1000 wrote: »

I disagree we have about three catalouges and pay them all off straight away. If you can't afford something then don't buy it. If you need something and can't afford it use a credit card.

I don't have a credit card, and wouldn't get one as I'd then be tempted to use it all the time, not sure I'd even be able to get one I'm a stay at home mum and my partner has bad credit. Buying on a credit card is still using credit and not buying up front as the person I was replying to suggested.

Enfieldian

I used Marshall Ward to get an Xbox 360 earlier this year, worked out well as there was a £30 off code and "Buy Now - Pay Later" until Feb 2010.

I just made payments on the account every month even though nothing was due yet and when I reached the amount that would be due in Feb I called and asked them to pay off the account and close it.

Having said that there is a lot of difference in price between Littlewoods and Littlewoods Direct for example as one of them offers 0% interest (on a much higher initial purchase price, of course!)

mrcol1000

immynjoesmum wrote: »

I don't have a credit card, and wouldn't get one as I'd then be tempted to use it all the time, not sure I'd even be able to get one I'm a stay at home mum and my partner has bad credit. Buying on a credit card is still using credit and not buying up front as the person I was replying to suggested.

So whats the difference between have a credit account with a catalouge your be tempted to use all the time and a credit card??
I don't see any difference between catalouge companies and other orgnaisations offering credit to those with bad credit records. They have the high interest to make sure their income covers any credit they have to write off. Whats wrong with that? Supermarkets factor in shoplifting into their prices.

deanos

Mine is 9.9% with Additions