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  • Cornucopia
    Cornucopia Posts: 16,471 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    To be clear, and to be fair to DFS, their 0% is a simple HP-type scheme. The payments are equal and fixed in advance to clear the entire balance by the end of the interest free period.

    Only people who run into difficulties would have any reason to incur penalties: either interest or fees.
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