FAQs
- Why has my application been referred?
- Why was I declined?
- What is the deferred period on my credit agreement?
- If I make a payment in the deferred period will I be charged anything extra?
- Will I incur additional charges if I choose to settle in full after the deferred period?
- When will I start making the direct debit payment and will I be notified?
- I have lost my credit agreement, how can I get another copy?
- I have lost my order reference number, how can I retrieve it?
- How long will it be before my goods are delivered?
- I have changed my mind and wish to cancel my credit agreement, how can I do this?
- Can I change my agreement if I decide to purchase another product?
- Why can't my goods be delivered to another address?
- How do I know when you’ve received my returned documents?
Why has my application been referred?
In most cases we are able to make a decision based on the application details submitted. However there are some occasions when we require either further information about you or we need to re-confirm some of the original information supplied in order for the correct decision to be made on the application. In all cases please ensure that the information requested on the credit application is correct and up-to-date.
Why was I declined?
Unfortunately due to the data protection laws able2buy are not given the reason why a customer is declined for credit by our lenders. However if you wish to find out more about your credit status you can write to the following Credit Reference Agencies, enclosing a cheque or postal order for £2. You will need to tell them your full name and address(es) for the last six years.
Experian Limited Consumer Help Service?PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212
Equifax plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
What is the deferred period on my credit agreement?
This is the period where no payments are requested by the finance company. However during that period if you wish to make payments to reduce the credit balance you can by contacting the finance company directly. Details are shown on your copy of your credit agreement. If you need any help, call us on 0871 221 1209.
If I make a payment in the deferred period will I be charged anything extra
During the deferred period on a buy now pay later credit agreement you have the option of paying as little or as much as you wish. If you pay off the entire credit amount before the end of the deferred period then you will incur no interest however you will be charged an administration fee.
Will I incur additional charges if I choose to settle in full after the deferred period?
You may incur additional charges if you decide to settle the balance in full after the deferred period. If you wish to pay off the agreement before the end of the term you should contact the finance company to request an accurate settlement figure.
When will I start making the direct debit payment and will I be notified?
The finance company will send you a ‘welcome’ letter advising you of their contact details and when the first direct debit payment is due.
I have lost my credit agreement, how can I get another copy?
If you would like to have your agreement posted out to you, please contact us on 0871 221 1209.
I have lost my order reference number, how can I retrieve it?
You can contact us online or contact the Help desk on 0871 221 1209 to request your order reference number. You will need to provide us with your full name, address including post-code and date of birth.
How long will it be before my goods are delivered?
Unfortunately we do not have any control over the delivery of your goods. If you wish to find out more about the delivery of your goods please contact the retailer with whom you originally placed the order. Have a look at our retailer list to help you find their details.
I have changed my mind and wish to cancel my credit agreement, how can I do this?
If the credit agreement has not been returned to able2buy and you'd like to cancel the agreement then contact the able2buy helpdesk on 0871 221 1209.
If you have already returned the credit agreement to able2buy and you'd like to cancel the agreement, you will need to contact the retailer with whom you placed the original order. The retailer will then arrange to cancel the agreement with able2buy. You can view our list of retailers to help you find their contact details.
Can I change my agreement if I decide to purchase another product?
If you decide to purchase another product for a different order value then we will have to process a replacement credit agreement for the new product. We will then require a new credit agreement to be signed and returned to able2buy. Please note that processing a replacement credit agreement does not always guarantee that you'll be accepted for credit.
Why can't my goods be delivered to another address?
We instruct our retailers to only deliver to your home address as stated on the credit agreement. This is to help protect all our customers against identity theft.
How do I know when you’ve received my returned documents?
We will notify you by email once we’ve your documents. This will usually be after 3pm.
