First of all, these lots are absolutely fraudulent. I ordered something off Clearpay in October 2020 and then they claimed that I chose to apply to their programme after the check out, something I have zero recollection of. Not only that, all of the emails since the day of application arrived in the junk mail. For more than 2 years they’ve been charging my account for £15 for a membership I didn’t know existed nor did I ever used. They only offered to refund just £45 out of £375, they must be insane if they thing I’d accept that. I’d fight for the full refund until I get all of my money. Folks, be careful out here, companies like this should not be in operation.