Interest Free Credit

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showrooms.

To apply for finance, the applicant must meet the following criteria:

• Is over the age of 18

• is, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit

• has been a resident in the UK for at least 3 years

• has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)

• has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Your monthly repayments will begin one month after your purchase has been delivered.

No. There are no arrangement fees or hidden extras. Credit subject to status and affordability. Terms & Conditions Apply. W Hamond are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Finance is provided by Secure Trust Bank PLC, trading as V12 Retail Finance and Regulated by the Financial Conduct Authority. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

When you buy online from W Hamond you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched. Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement W Hamond will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Retail Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Credit scoring is the process conducted by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows finance providers to produce consistent decisions, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, V12 Finance also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though V12 Finance are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following: • Your credit score (note that every finance company will score you differently) • Adverse credit reference agency information • You are considered to be overcommitted • You are aged under 18 • Your existing account performance with other lenders

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years: • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. V12 acknowledge that your circumstances change and just because they have refused a previous application, it does not mean that they automatically turn down a further request. V12 do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Yes From placing the order online and requesting a store collection, the customer is required to produce;

• Photo Identification required from the customer in store. (Passport or driving Licence)
• Card used to process the application required from the customer in store to verify.
• Must be the named person who submitted/was approved on the application who is collecting the goods from the store.
• Produce the approved acceptance email sent from V12 to verify the application.