I had a DS on a 1 year buy now pay later and then paid a £102.08 credit. in march 2009
in 12/2009 i did another order for £100 with BNPL without a free postage code.
the £3.99 took my credit under the change for that item i ordered first and then got a £30 interest change so what they do is that if you order a £100 item on a BNPL if you dont pay it off in FULL before the 12 months you get a £30 interest charge for the 12 months you didnt pay!
Either way i got it back but if your thinking of using that bewarned!