FAQ's

1.    How do I become a Pay Weekly Store Customer?

Click on apply now at the top of the page and fill in your information. It is important that you do this accurately to prevent problems, so double check everything before moving onto the next step. Once an affordability check and credit check has been complete you will receive a decision within 5 working days. This is often quicker.

 

2.    What information do you need from me? 

We need information about your living status, contact information, employment status and financial situation. All of this, along with a credit check is used to make a decision on your account.

 

3.    Do you credit check customers?

We do credit check each customer on application.

As part of your application we are committed to ensuring your Pay Weekly Store purchase does not cause you financial problems. This means as part of our checks we need to ensure you can afford to pay back any credit facility we offer. Even if you have a bad credit history we may accept you, but we may want you to build a payment history with us before we are able to offer more expensive items.

To ensure we are providing the right service for you we will require information about your personal and financial circumstances in order to make the right decision.

This means that even if you have had a credit facility from us in the past we will still need information each time you reapply to ensure the service is suitable and fits your circumstances. So even if you have been a customer before and have a good repayment history you may only be accepted for credit facility less than you have been given in the past. In some circumstances we may not be able to offer a credit facility at all.

 

4.    Is my information secure?

Your information is stored/transmitted on a encryption platform. Meaning all of your details are secure.  Credit/Debit card details and bank details are transmitted through an encrypted network fulfilled by Barclays PLC or Eazy Collect Ltd. None of your information is shared with any 3rd party.

 

5.    I have never heard of Pay Weekly Store, who are you?

Our company registered address, licences and phone number are clearly visible on the website for your peace of mind. Pay Weekly Store Ltd is a hire purchase specialist offering you the best deals in consumer finance. We are regulated by the Financial Conduct Authority to make sure we abide by certain rules and regulations and that customers are treated fairly. Our friendly team are here to speak to you if you would like any further information, please don’t hesitate to contact us.

 

6.    I haven’t got a credit or debit card and/or a bank account can I still apply?

Unfortunately not. We cannot accept customers who cannot pay a deposit via this method and have direct debits leave their account on a weekly basis, we also accept recurring debit card payments. We also cannot accept post office accounts/savings accounts as we are not able to collect direct debits from them. Some basic accounts and cash only accounts are also restricted please be aware of this when applying.

 

7.    What payment methods do you accept?

We accept credit or debit card payments and direct debits. If you are looking to pay for your item weekly this is usually done by direct debit, for monthly payments we set up recurring debit card payments for a date of your choice. We take weekly payments on a Friday but this can be changed to a day of your choice on debit card payments.

 

8.    How many items can I order at once? 

If your account is approved you are given a credit limit. You can order as many items as you like within that limit. So if you have a credit limit of £250 then the amount of credit you have to spend is £250. Please note a deposit is not credit and this is deducted from the cashprice of the item at the beginning of the agreement.

Please note you can not have more than 4 live contracts at any one time.

 

9.    Can I get an increase in my credit limit? 

We look at credit limits regularly to see if we are able to offer you additional items throughout contracts. This is subject to a further credit check and affordability check.

As part of your application we are committed to ensuring your Pay Weekly Store purchase does not cause you financial problems. This means as part of our checks we need to ensure you can afford to pay back any credit facility we offer. Even if you have a bad credit history we may accept you, but we may want you to build a payment history with us before we are able to offer more expensive items.

To ensure we are providing the right service for you we will require information about your personal and financial circumstances in order to make the right decision.

This means that even if you have had a credit facility from us in the past we will still need information each time you reapply to ensure the service is suitable and fits your circumstances. So even if you have been a customer before and have a good repayment history you may only be accepted for credit facility less than you have been given in the past. In some circumstances we may not be able to offer a credit facility at all.

We typically look at credit limits every 2-3 months depending on payment history.

10.    What if my circumstances change and I can’t afford the weekly payments?

We are not here to make your life a struggle. If you can’t afford the weekly payments and your circumstances change, please contact us and we may be able to lower your weekly payments to an affordable level. Please note you may need to sign a new credit agreement and we made need additional evidence depending on your circumstances. We would always encourage customers to contact us as soon as any difficulty occurs to avoid any additional late payment fees.

 

11.    What if I miss a payment?

Direct Debit:

If for some reason you have missed a payment on a direct debit, the direct debit will automatically attempt a double payment the following week. Please ensure you have enough money to cover your weekly payments. A late fee of £10 is added if a payment is overdue.

If you are struggling in anyway please contact us. We are here to help.


Debit/Credit Card Payments:

If we collect your payments weekly/monthly from your card we will aim to collect the amount on a day/date agreed with you beforehand. Should you miss a payment our system will automatically attempt to collect the payment until the payment has been received. If you change your card details for any reason please let us know as soon as possible to avoid any late fee charges.

 

Late fees are charged at £10 per missed payment. If you are experiencing financial difficulty then we would encourage you to contact us urgently. We may be able to hold payments/late fees or spread the cost until your circumstances improve. We may need you to fill in an income/expenditure form or provide bank statements to ensure we able to help in the right way.

 

13.    Do you take the product back if I can’t pay?

Our policy is to work with the customer if they are struggling with payments so they only pay what they can afford, you must always contact us if your circumstances change.

You may cancel your conditional sales agreement and send the item/s back if you feel you can no longer afford the agreement. Please refer to your conditional sales/hire purchase agreement for more clarity or contact us for any clarification as there are sometimes fees involved.

We may take the item/s back if we cannot resolve the situation with you beforehand.

 

14.    What are your delivery timescales?

Please refer to our delivery and returns policy: http://payweeklystore.com/page/deliveryandreturns for specific details.

We offer 3 different delivery timescales and prices depending on your preference.

Please note: Larger products and made to order items can take between 3-6 weeks.

 

15.    Do you accept returns? 

Please refer to our delivery and returns policy for clarity:

http://payweeklystore.com/page/deliveryandreturns

 

16.    Do you offer service cover on your products?

We do not at this moment in time. Most products will be provided with a manufacturers warranty. The item must also be insured as soon as you have received it.

 

17.    What if I have a complaint?

Please refer to our complaints page here:

http://payweeklystore.com/complaints

 

18.    How long does it take for my account to be reviewed?

We aim to review all accounts within 5 working days. You can get updates on the progress by logging into your account, we may send you emails requesting further information.

 

19.    What if my application is declined?

Unfortunately this is because you have not met our lending requirements on this occasion and we believe the service is not right for you at this moment in time.

 

You can reapply again in 90 days time should you wish to.

 

20.   Where can I see my credit limit?

Go to "My Account" at the bottom of the page you will be able to see your credit limit.

 

21.   I am on benefits can I get an account?

Yes. However we still need to see your proof of income. If you are currently only receiving Job Seekers Allowance, it is likely that your account will be declined. You need to be in receipt of £8000 or more per year as a minimum requirement.

 

22.   Can I get my product sent to a different address to my billing address?

Unfortunately not. For security we can only send your product to the billing address and address you have been registered at with us.

 

23.    How long do I have to use my credit? 

We try to keep credit accounts available as long as possible depending on demand. If you have not used any of your credit within 3 months we will need to run another credit check to verify your circumstances are still the same.

 

24. Can I pay my item off early, or pay more off at any time?

Yes you can. You simply need to login to your account and click on your existing contract/s and chose the item you wish to pay for. You can then chose how much you would like to pay off at any one time by paying individual payments or the contracts in full.

 

25. How do I get in touch with any queries?

The best way to get in touch with us is by dropping us an email at support@payweeklystore.com or using the contact form in the Contact Us section of the website.  We’ll aim to get back to you within 48 hours but often much sooner.  If you are unable to submit your query via email then you can give us a call on 0330 010 14 13 to log your query with an agent and someone will review it and get back to you as soon as possible.