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

People admiring our new porch

We were only at home for one day following the installation. A courier delivering a parcel admired the porch and asked who built it for us. Success I think.   Mrs J, Broadstairs

Mrs J

Opinion Rating

I cannot rate this company highly enough & would highly recommend them to anyone.

Leslie David Morgan
Les Morgan

Mr M K @ Saffron Walden

A heartfelt thank you from us. We knew we wanted something a bit special to set off our extension, which has been absolutely essential in making our new home work for the family. We scoured the internet for something that would allow an uninterupted view of the planned garden but would also allow us to

Professional, diligent and friendly with it

Dealing with FGC has been a straightforward and hassle free experience from start to finish. I had several queries long before placing an order and FGC were always prompt and helpful with the responses. Then at site survey time they attended on time, with courtesy calls leading up to the appointment to keep me advised,

Matt Chenery
Matt C

Mr & Mrs F @ lower road one house Stowmarket

From the time of our first visit to your premises we felt comfortable with your product. It was a product just as we had hoped and envisaged for our new kitchen extension – double glazed, frameless glass doors to cover a 7.310 meter opening ! Until then we were not sure if it was possible.

Excellent Service

The guys phoned, as promised, to let me know their ETA. Arrived punctually and did a great job. It’s apparent they know the system inside out and we’re very thorough. All after sales follow up has always been efficient. Chatty and polite guys. Thanks FGC.

Mel Crann
Mel

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

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

Summerfield

As to how we were from initial contact (were we polite)?
Initial emails were very prompt, informative and positive and yes polite. Keen to accommodate our visit to the workshop and everyone very friendly.
Arranging installation (were we on time and on schedule)
Installation ahead of schedule and were on time on

Very pleased with the glass

Very pleased with the glass curtain doors which you supplied on time
and installed very quickly. Great product that really enhances the room

Brian Berg
Brian Berg

Excellent product and service

We have just had sliding doors fitted to a barn conversion and are delighted with the result. The ordering, measuring and supply all went very smoothly, very creditable given the present difficulties. The fitting team arrived exactly on time and did a very professional job with great attention to detail…and very nice chaps too. I

Paul Gregory
Paul

I am very happy with the doors

I am very happy with the doors – I saw them last night after work – though I didn’t open them as I wanted to make sure I followed the installers’ instructions not to. They look wonderful and my boyfriend and mum tell me they were absolutely lovely chaps. The finish seems brilliant and appears to

COVID-19 Update 5th January 2021

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