Goods supplied by Pay Weekly Club Limited are sold on the basis of a conditional sale. These are subject to the terms and conditions below:

• Goods purchased will remain the property of Pay Weekly Club Ltd until the final payment is received in conjunction with the agreed payment schedule.
  • For the purposes of this Agreement, Goods include beds, mattresses and selected flooring excluding promotional goods.
  • You must protect our ownership of the Goods and not attempt to sell, hire or deal with it in any way. You must not create any lien or other encumbrance over the Goods.
  • Should it be found that you have attempted or in actuality sold, hired or dealt with the Goods in any way, we refer you to the indemnification clause 1.9 contained herein, and that you may be required to compensate any loss.
  • You must insure your Goods with a reputable insurance company and pay all necessary premiums throughout the Term of the Agreement. The purchaser must maintain the goods during the agreement and will be fully responsible for its condition and correct use.
  • Payments for the goods are non-refundable at any time during the agreement and the purchaser is fully responsible for the payment of goods as detailed in the payment schedule.
  • Early payment of the full agreed purchase price detailed in the agreement will transfer the ownership of Goods to the purchaser at the point of full remittance is received by Pay Weekly Club Ltd.
  • Under the agreement Pay Weekly Club Ltd retain the authority to require the return of the goods on demand if the payment schedule is not kept fulfilled with the due funds at the correct payment period.
  • Any recovery costs will be added to the total costs owing by the customer.
• All goods recovered will be sold at auction and the monies recovered will be credited to the agreement account. The purchaser will be liable for any balance remaining and will be recovered by Pay Weekly Club Ltd debt recovery departments.
  • All overdue payments will be treated as breach of the agreement and Pay Weekly Club Ltd retain the right to apply charges in line with those set out in the agreement.
  • The type of agreement is covered by the consumer credit act 1974 which allows the purchaser to pay off lump sum amounts during the agreement. The purchaser may settle the agreement at any time without excess fees.
  • The credit available will not be extended beyond the original terms, any further borrowing will be subject to a new conditional sale agreement and subject to Pay Weekly Club Ltd terms and conditions.
• We collect your personal information primarily from you. You agree that we may also collect personal information about you from the supplier of the Goods, other credit providers, insurers, any of your employers, former employers, referees, banks, landlords, guarantors, accountants, lawyers, financial advisers, service providers to us (including debt collection agencies, introducers, private investigators, professional advisers), professional organisations, the internet, public and subscriber only databases and government authorities.
  • Before the goods are dispatched the purchaser will complete an account application form and all details will be stored with Pay Weekly Club Ltd systems and servers. 
• The total chargeable amount will be the standard sales price of the goods equally divided over the term of the agreement.
  • The deposit payment equal to that advertised at the time of the agreement will be required to be paid before the goods are ordered/delivered or fitted and a Direct Debit Mandate payment must be set up for the remainder of the payments.

Fees & Charges
Home Visit	£25
Trace Fee	£45
Court Recovery Fee	£80

• Cancellation of the order must be made in writing with by email or post within 14 days of the date of the agreement.

Information Statement

THINGS YOU SHOULD KNOW ABOUT YOUR PURCHASE

This statement tells you about some of the rights and obligations. It does not state the Terms and Conditions of your Agreement.

1.                 HOW CAN I GET DETAILS OF MY AGREEMENT?

Your representative (Pay Weekly Club) must give you a copy of your consumer Agreement with this Statement. Both documents must be given to you within 14 days after the lessor enters into the consumer Agreement, unless you already have a copy of the consumer Agreement. If you want another copy of your Agreement write to your representative and ask for one. Your representative has to give you a copy:

• within 14 days of your written request if the contract came into existence 1 year or less before your request; or otherwise within 30 days.

2.                WHAT SHOULD MY AGREEMENT TELL ME?

You should read you agreement carefully. Your agreement should tell you about your obligations, and include information on matters such as:

• Details of the goods which have been stated in the contract; and
  • any amount you have to pay before the goods are delivered; and
  • stamp duty and other government charges you have to pay; and
  • charges you have to pay which are not included in the payments; and
  • the amount of each payment; and
  • the date on which the first payment is due and either the dates of the other payments or the interval between them; and
  • the number of payments; and
  • the total amount owed; and
  • when you can end your Agreement; and
  • what your obligations are (if any) when your Agreement ends.

This information only has to be included in your Agreement if it is possible to give it at the relevant times.

3.                CAN I END MY AGREEMENT EARLY?

Yes. Simply return the goods or pay a 10% early settlement discount of the remaining amount owed. The goods may be returned in ordinary business hours or at any other time you and the lessor agree on or the Court decides. Refer to your Terms and Conditions regarding the condition of the Goods.

4.                WHAT WILL I HAVE TO PAY IF I END MY AGREEMENT EARLY?

The amount the agreement says you have to pay. If you have made payments in advance then it is possible that your lessor might owe you money if you return the goods early. Contact them for the final payment information.

5.                CAN MY AGREEMENT BE CHANGED BY PAY WEEKLY CLUB?

Yes, but only if your agreement says so.

6.                IS THERE ANYTHING I CAN DO IF I THINK THAT MY AGREEMENT IS UNJUST?

Yes. You should talk to the representative. Discuss the matter and see if you can come to some arrangement. If that is not successful, you can contact Pay Weekly Club External Dispute Resolution scheme.

THE GOODS

• IF PAY WEEKLY CLUB WRITES ASKING ME WHERE THE GOODS ARE, DO I HAVE TO SAY WHERE THEY ARE LOCATED?

Yes. You have 7 days after receiving your request to tell Pay Weekly Club Ltd. If you do not have the goods you must give your lessor all the information that you have so they can be traced.

You may also have obligations under the Terms and Conditions regarding advising the lessor whenever you relocate the goods.

8.                WHEN CAN MY LESSOR OR ITS AGENT COME INTO A RESIDENCE TO TAKE POSSESSION OF THE GOODS?

Your lessor can only do so if it has the Court’s approval or the written consent of the occupier which is given after the occupier is informed in writing of the relevant section in the Consumer Credit Act 1974.

GENERAL

• WHAT DO I DO IF I CAN NOT MAKE A PAYMENT?

Get in touch with Pay Weekly Club immediately. Discuss the matter and see if you can come to some arrangement. You can ask your lessor to change your terms in a number of ways:

• to extend the term of your agreement and reduce payments; or
  • to extend the term of your agreement and delay payments for a set time; or
  • to delay payments for a set time.

10.              WHAT IF MY LESSOR AND I CANNOT AGREE ON A SUITABLE ARRANGEMENT?

If the lessor refuses your request to change your payments, you can ask your lessor to review this decision if you think it is wrong.

If the lessor still refuses your request, you can complain to the external dispute resolution scheme that your lessor belongs to. Further details about this scheme are set out below in question 12.

11.               CAN MY LESSOR TAKE ACTION AGAINST ME?

Yes, if you are in default under your agreement, but the law says that you cannot be unduly harassed or threatened for payments. If you think you are being unduly harassed or threatened, contact your credit provider’s external dispute resolution scheme or FCA, or get legal advice.

A County Court Judgment (CCJ) is a type of court order in England, Wales and Northern Ireland that might be registered against you if you fail to repay money you owe.

12.              DO I HAVE ANY OTHER RIGHTS AND OBLIGATIONS?

Yes. The law will give you other rights and obligations. You should also READ YOUR AGREEMENT carefully.

 

13.              IS PAY WEEKLY CLUB LTD COMPLIANT WITH THE FCA

 

Yes, according to PERG 2.7.19G Pay Weekly Club doesn’t charge you interest or other charges for the Goods, the payments are to be paid within 12 months or as agreed within the Agreement.

IF YOU HAVE ANY DOUBTS, OR WANT MORE INFORMATION, CONTACT PAY WEEKLY CLUB LTD.

Contact Details

Pay Weekly Club Ltd

Telephone numbers: 0191 694 1147

Address: Pay Weekly Club Ltd, Unit 4 137 Brinkburn Street Newcastle upon    Tyne NE6 2AR

Company registration number:  11643570