When you buy stuff by Brick, do not trust the stupid salespeople. They will recommend you to buy payment protection. If you buy it, they will charge your balance from the first month. Never trust these people because you will never need it.
They claim that the payment protection plan will pay for you if in case you can not pay by the due time. The charge is very high comparatively (about more than 10% of your amount due). I have once fought with them for more than three months to get the plan cancelled finally.
However, I am not satisfied with any of the companies so far in Canada. Just be careful and ready to fight at the beginning.
Sales representative is there to sale. They are not bad person, and they are not stupid. They just work there and make living like every of us. You buy what you need to buy, easy and simple. Even you spent few bucks more than you should on some item, so? lady buying cloth, man buy pwoer tools, we all spend more than it should on something , only diff is on what.