WARNING, it's a trap!
WARNING! This company can and will financially ruin you. Please read, this isn't nonsense.
When you take a loan with 0% interest, there is a sneaky way in which your plan can suddenly quietly change to 20% interest!! Basically if you miss ONE payment (and I don't mean that you don't pay it, I mean you make a mistake and miss the deadline, but make the payment a few days later + the delayment fee), your plan automatically transforms into a 20% interest plan with the absolute minimum sum to pay off your debt per month, meaning the loan time is extended beyond reason.
In my case, I had my plan on direct debit, meaning the money was automatically drawn from my account. I discovered after one year that because I had paid one invoice late in the beginning, they had changed my plan and instead of 24 months for 0% interest, I now had more than 90 months for 20% interest. Meaning I was paying about 17 euros off my dept, and 60 euros in interest, every month, whereas I thought I'd been paying off my debt as I should.
I was given NO notice. Not a single word that my plan had now changed into a completely unreasonable setup. The only way I could've (and did) notice would be through checking one of the automatically paid invoices, which, granted, I should do more often. But I trusted this company and didn't expect a late fee to result in something so drastic, and DEFINITELY not to receive any notice that it occured. It shouldn't be lawful to not be given a written notice when something like this happens.
Make no mistake, THIS IS HOW THEY MAKE THEIR MONEY. It's COMPLETELY deliberate. They're expecting people to miss a payment (we all do from time to time).
Why am I so sure? Because ffs, anyone could understand that a capitalist company that only cares about profit would never simply give customers 0% interest rate and a mere 4-euro admin fee/month for 24 months. They expect many customers to walk into this trap, that's why they can offer it in the first place.
Disgusting and absolutely vile. They have the law on their side too, so there's not much to be done. I'm lucky I was able to pay off all of the debt in one go and get rid of them. If I were a poorer person, I would be stuck paying 60 euros in interest for over 7,5 years before my debt would be fully paid!!
The people working for this company should seriously take a long hard look in the mirror and ask themselves what they're actually doing with their lives and what they're contributing to. Morally reprehensible and I'm ashamed on their behalf.
Don't. Just don't. There are more serious companies out there that won't penalise you beyond reason for doing something as normal as missing a payment deadline once.