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

Chartered Building Surveyor I was impressed with the installers

I would like to reiterate that we are very pleased with our new FGC doors. As a Chartered Building Surveyor I was impressed with the installers who were careful, methodical and very professional my wife who is most particular was also very impressed with their cleanliness. I am sure we will get many years of

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

Frameless Glass Doors

This is a professional operation with excellent after sales care. Very refreshing

Richard Martin
Richard

Achieving exactly what we wanted

We are delighted with the end-resulting porch and it is achieving exactly what we wanted from it. We have also had several very positive comments from visitors, etc – which is very gratifying. We have also been impressed with the attitude and approach of all the company employees we have met.

Mr & Mrs White
Mr & Mrs White - Staffs

We are extremely pleased with the doors

The installation of our new doors was eagerly awaited and did not disappoint. The fitters arrived on time on the agreed installation date. All waste was removed and the installation area was left clean and tidy. The fitters demonstrated the use of the system including future self maintenance which was very useful. We are extremely

See for yourself this brilliant design

“Visiting the FGC factory before a site viewing was the best decision we made. Very few of the reviewers make any mention of the apparent simplicity that disguises the cleverness and ingenuity in this way of dealing with a large size glazed opening. At the factory the finer details behind the design were explained, and

First class

We moved last year and wanted to maximise the view right through from the rear to the front of the building, overlooking the river. After much searching we found FGC, who installed internal glass doors between the rooms. FGC were very efficient and although we are in the North they sorted out a subsequent small

Simon Ely
Simon

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

Look Great and Slide Beautifully

As it happens, we are still sadly not in the house. We should be however at the end of February which will be great! I can however pretty much respond to the below as I have been able to test the doors. 1. Your performance was excellent from what has been reported by the builders.

Really Pleased

As to how we were from initial contact (were we polite)?   Very polite and attentive, always got back quickly with answers to queries but there was no hard sell which I really appreciated after being bombarded by calls and contacts from other companies!  The measuring up part seemed more complicated than it needed to

Mr C R

How did we advise you on first contact? I was constructing a new extension and FGC were very helpful and understanding of the nature of the project. Updates to the original design (like addition of an extra door) were accomodated easily and efficiently Installation – were the installers polite and did they clean and tidy All polite and as clean as necessary, although given the site was a work in progress with other builders / materials around there was limited tidying required. Having said that, subsequent visits to rememdy teething issues have been also very efficient and tidy. Are you pleased with our frameless glass curtains? Yes and they are hugely popular with friends / guests when visiting. Would you recommend us to other people? Yes – and I have done so on several occasions already Do you have any advice for us? Keep up the good work … and keep innovating. 20150113

Mr & Mrs Glasgow – Chalfont St Peter

We are very pleased with our frameless curtains in our dining room and lounge, both of which open out into a conservatory.   Our first contact with you, by telephone, was excellent.  We were invited to look at your glass curtains at your showroom in Chatham which is an hour and a half distant.  Seeing