Just thought I would let you know about the problems I've had with DELL finance. I bought a DELL PC 2 years ago (quite happy with it). I opted for DELL finance. Everything seemed to go smoothly until I got a letter from DELL informing me that I was in arrears and no payments had been received. I checked with DELL and it seemed that an 'internal system' error resulted in my direct debit not being set up. So, I had to restructure the finance and send DELL another direct debit mandate. All seemed fine, until last week when I received phone call and a letter from a debt collection agency acting for DELL finance. Apparently the direct debit had again failed to be set up by DELL and so for nearly 2 years I hadn't paid anything! (I know I should have checked my bank statements, but I only tend to look for payments that shouldn't be there, not ones that are missing!). God knows why DELL didn't contact me earlier!
I've now cleared the balance.