Call us: 01732 848088

Finance FAQ

How do I choose to PaybyFinance?

Just let the sales consultant know

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

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

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras, just a £29 early resettlement fee on the BNPL package.

Applying for online finance

Applying for online finance couldn’t be easier or more convenient, the sales consultant will arrange a telephone appointment to go through the online process, once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be manufactured.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Frameless Glass Curtains will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Manufacture of your goods will follow soon after your agreement has been returned and received.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used 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 consistent decisions to be provided, ensuring all applicants are treated fairly.

Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently) Adverse credit reference agency information
  • You are considered to be over committed
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

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.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, 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.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

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

If you have any other questions about finance please call Frameless Glass Curtains on 01732 848088

FINANCE OPTIONS AVAILABLE

What our customers say

Mr JR

We have had these doors for several months now and are very pleased with them. Our initial contact with the company was very positive, the structure and operation of the doors clearly explained. The installation was carried out very efficiently with no disruption and the installers were friendly, their work clean and tidy. Our friends

Gemma Alashe, Chiswick

In short, the product offered by Frameless Glass Curtains is nothing short of excellent. These frameless glass doors are a truly unique system that are really aesthetically pleasing and unlike any other product we could find on the market. The doors are very sleek and elegant and create real impact and wow factor. Our experience

Punctual, Friendly & Efficient

Many thanks for your prompt attention to our problem. As before, your fitters were punctual, friendly and efficient. A credit to your company.

Mr C, Surrey  

The best doors ever!!

We have had our corner installation for about 2 years now and they are the biggest wow factor of the house (the view’s not too bad either😊). The summer is great with truly indoor/outdoor living. The biggest surprise has been the amazing aftercare we’ve received from FGC. They are so patient as it’s often a

Charlotte Doyle
Charlotte

Very Happy with our doors

Thank you again for the doors, we’re very happy with them and, once the renderer has finished (hopefully tomorrow), we’re really looking forward to removing the plastic protection so we can see through them properly. Mr B, Brighton

Mr B

Looks fantastic!

I am really impressed with the finished product and service e provided by FGC.
I had an image in my mind of how I wanted the end result to look. The “invisible” glassing was the most difficult and important part to source.
FGC came through with flying colours, right from the initial contact,

David, Surrey

Highly recommended

From the first moment of making contact we were given a very personal and friendly service. The survey, fitting and installation were all carried out by helpful and pleasant people. Follow up service was equally good. I am extremely pleased with the results.

Valerie smith
Valerie

Armstrong

Regarding your service I would like to make the following comments Web site, initial contact and service My wife saw a product similar to FGC Glass Curtains whilst on holiday. After undertaking a lot of searching on the internet we came across FGC. FGC offered a product we could not find anywhere else, i.e. a

Thank you for a brilliant product

Thank you for a brilliant product I am so glad I chose FGC for my windows/doors everybody who sees them is so impressed by them but mostly my wife and myself!
Thanks again [and your team] Best regards
Brian 20160927

Excellent

A great product from a great company. Friendly and efficient service from day one.

Ian Greenfield
Ian G

first class team from start to finish

We are extremely pleased with out beautiful doors & windows on our newly built front porch.
The whole team front start to finish were so very very helpful and we could not believe how quickly they were made & fitted for us.
The staff in the office could not be more helpful &

treena ribbens
treena

Perfect product

These frameless glass walls have made a huge difference to our comfort at home. They are installed between our living rooms and conservatory. When open, they allow heat into the living area on a sunny day (reducing our heating bill) and when shut, they keep the cold and noise out. They are also much better

Heather Glasgow
Heather