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

No Hesitation in Recommending You

A brief note to thank you for your services in supplying two sets of doors and two fixed panels. From the start of contact with your company you have been very professional and communication has been excellent. The panels now installed look amazing and appearance when compared with usual bi folds or other types of

Frameless Glass Curtains

I am very happy with the installed doors. The fitters did an excellent job. They arrived on time, were polite and helpful, and went through all of the relevant information with myself and my wife.
They also cleaned the windows at the end of the installation.

David Thurston
David

Windows look amazing

 We were delighted with the service and standards from Frameless Glass Curtains – everyone at the Company responded really well and work was done on time with minimum of fuss. Workers were polite, did a great job and left everything clean afterwards – and the windows look amazing! We would certainly recommend Frameless Glass Curtains

Small maintenance issue

We had a small issue with the opening door, we contacted FGC and they arranged for a team to come. They sorted the issue very quickly then cleaned the runners and door seals, fully tested the operation of the doors and carried an additional mod on the door handle. All done and dusted with an

Keith Delderfield
Keith and Di

MIKE LEVERS, Hove

Installation of four double-glazed doors, internal to a large bay window arrangement, top floor flat. Initial contact was by email and a quote came back within a couple of days. More than can be said for some of the other companies we contacted about similar products. We visited the factory for a demonstration and were

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

Wonderful

We have been amazing our friends and family with our FGC since we had it installed a few weeks ago. Every ‘trade’ that is working on site has been fascinated and suitably impressed with the product and engineering. We are over the moon as it has really been the star of our home extension. Thanks

Paul Robinson
Paul Robinson

Pleased with the product and installation quality.

I found Frameless glass Curtains very easy and trustworthy to deal with. All personnel I had contact with were polite and professional. I am very pleased with the product and installation quality.

Mr M Donovan
Mr M Donovan

Very pleased and would definitely recommend

FGC have been fantastic, from my email enquiry, always very helpful and quick to respond. On time and on schedule.  Very pleased and would definitely recommend.   English Rose Estates (Great Ormond Street) 20150922

Minor Problem Addressed

A strip of the furry trim at the top of the frame that the doors run on had come loose. On the one hand the sort of thing that one could have a go at fixing; on the other hand having witnessed the care and attention the FGC installation team do their work; I thought

Shindi Poonia
Shindi

Mr C, Bournmouth

The installer was excellent. In spite of being let down by another member of the team he got on with with the job in a positive manner. Disruption was kept to a minimum and he cleared and tidied up. He demonstrated how to use the doors, ensured I knew how to operate them and answered

Great product with amazing after sales service

All of our dealings with FGC have been great. They are professional, friendly and accommodating. Our glass curtain is wonderful and we love it even more than we thought we would. The few little settling in issues we’ve had have been dealt with so quickly and their technical team are incredibly easy to deal with.

rhona mead
Maisie

Read our COVID message

X