Unfair late payment charges.

Isn't it scary in fact suspicious that they dont have a line your can call or any for of direct communication? You literally have to log a ticket and wait for someone to contact you ? And from what I can tell if they dont want to deal with your query they wont. Numerous of tickets logged nit one response!

I ordered items on cotton on in Dec 25. Returned them on the 17th Dec, next payment run was the 25th my card had expired therefore payment run could not be debited wa si not charge a late payment fee on the 26th ? 1 day, I had no knowledge of the decline , no grace nothing and I have been using payflex for over 5 years not once experience this. Quiet ridiculous of you ask me. I logged a ticket explaining this scenario as Cotton on hasn't processed the refund yet and that I should not have been charged Nhlanhla actually rep**** on mail advised that once refund is completed this would be revised and adjusted... here i am though, ticket after ticket basically begging for a assistance with no help another late payment accumulated. Today responding on initial query, he/she responded that I should take it up with cotton on and they cannot reverse late payment. Which is not what was communicated.

Happy to deal with cotton on as its advised refund was processed 31st Dec but the late payment fee after the 31st ? Should be reverved or atleast compensated.