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

Highly Recommended

Excellent product. First class service. Good communication. Skilful, competent fitting team, clean & tidy. Wouldn’t hesitate to recommend FGC to anyone! We’re highly delighted with our frameless glass curtains!

Diane Ratcliff
Diane

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

Mr M B @ Praa Sands, Cornwall

We wanted to connect two room – a ‘sun room’ and living room -by replacing a large window with some glass doors. We contacted local suppliers and Googled ‘glass partitions’. Local suppliers weren’t much help, however the Google came up with just what we wanted – frameless glass doors. We contacted Gary for a price.

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

Happy with all your support

The bottom line, I am happy with all your support to get me the financial support for this project.  Without your help the project would not have been realised.

Bashir
Bashire in Cambridge

A great job

Hi,
I would like to say that your work crew were really nice people and did a great job !!

Luff – Caernarfon

As to how we were from initial contact (were we polite)? Staff were polite and prompt in answering telephone questions. There were technical problems with our installation and staff were open and discussed options and were polite. The fitters were surprised at the distance they had to travel to reach us each time, although we

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

Frameless Glass Doors

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

Richard Martin
Richard

Mr M W

We had been looking for ages for the solution to fill two large spaces leading from the house to our new Orangery. From the moment Gary showed us the product at Partridge Farm we knew it was just what we wanted. A year later and we are still delighted. We broke one of the glass

Mrs J @ Childer Crescent Little Sutton Cheshire

Following the installation of our “double glazed curtains” we would like to say we are delighted with the result. The amount of light now coming into the living room is so different, we are also pleased with the amount of noise they keep out, We are glad we had them double glazed. Paul was a

the amazing glass door from FGC

The amazing glass door has transformed our kitchen and given it a wonderful inside/outside living feel and flooded the room with sunlight. It’s a fantastic product. The whole team at FGC were superb.

Gerry Geddes
Gerry

COVID-19 Update 5th January 2021

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