I have never before given a Trustpilot review but for Frasers Plus I must warn others not to use this credit service agency. I bought a coat in December and returned it a week later, and had only paid one instalment to FrasersPlus. My "refund" was supposedly issued to me on 3 January but never received. Initially when I reached out, they said I needed to go directly to the vendor (Frasers), but obviously Frasers said this was a Frasers Plus issue, which was worrying in itself. Finally, when I reached out a second time, Frasers Plus said that because of the card I used (a normal Barclays debit card) they needed to get another department involved to issue the refund. So essentially had I not reached out they would never have refunded the amount to my bank account. Only now that I've raised a complaint do I seem to be getting more traction, but still no refund -- in fact, I've been told that I need to pay £5 to "clear my balance", whatever that means. Anyway, do not use Frasers Plus - just because it appears to be tied to House of Fraser does not mean it is legitimate.
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