charge you $45 if a direct debit returns. So you lose either way. Plus you're normally charged a overdrawn fee by your bank. I'm near the end of my contract and I now have the option of buying my item, for $250. So, for my $996 item i've paid close to $2500. They are the worst company i've ever had to deal with and can't wait for the contract to end. They do nothing to help the customer and they are all very smug and rude on the phone. Its leaving a bitter taste in my mouth, after i've paid $2000 for the item, i've got to pay another $250 to own it, particularly when they won't tell you pay out figures when you sign, mainly hint it will be around $1. There is no regulating body, or ombudsman to complain to, they are a law unto themselves.