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We are able to offer a number of payment methods including finance and interest free credit through our finance partner V12 Retail Finance which will enable you to spread the cost of your purchase. Please note will are only able to arrange delivery of your order after the approval from V12 Retail finance and delivery can only be made to the address on the finance application.
R.E.Dawson, Limited trading as ecookshop.co.uk is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 671334. R.E.Dawson,Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
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Interest Free Credit Representative Examples
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SPEND £399 OR MORE FOR
6 MONTHS - 0% APR FINANCE EXAMPLE |
| Cash Price | £400 |
| Deposit | £40 |
| Amout of Credit | £360 |
| Duration of Agreement | 6 Months |
| 5 Payments of | £60 |
| Plus a final payment | £60 |
| Interest | £0.00 |
| APR | 0.00% |
| Total Amount Payable | £400 |
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SPEND £500 OR MORE FOR
9 MONTHS - 0% APR FINANCE EXAMPLE |
| Cash Price | £500 |
| Deposit | £50 |
| Amout of Credit | £450 |
| Duration of Agreement | 9 Months |
| 8 Payments of | £50 |
| Plus a final payment | £50 |
| Interest | £0.00 |
| APR | 0.00% |
| Total Amount Payable | £500 |
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Credit is subject to age and status. Minimum spend applies. You must agree to the lender's Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.
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Classic Credit Representative Examples
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SPEND £349 OR MORE FOR
24 MONTHS FINANCE EXAMPLE
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| Cash Price | £750 |
| Deposit | £75 |
| Amout of Credit | £675 |
| Duration of Agreement | 24 Months |
| 24 Payments of | £32.67 |
| Interest | £109.08 |
| Representative APR | 15.87% |
| Annual Rate of Interest - Fixed | 8.08% |
| Total Amount Payable | £859.08 |
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SPEND £349 OR MORE FOR
36 MONTHS FINANCE EXAMPLE
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| Cash Price | £750 |
| Deposit | £75 |
| Amout of Credit | £675 |
| Duration of Agreement | 36 Months |
| 36 Payments of | £23.34 |
| Interest | £165.24 |
| Representative APR | 15.87% |
| Annual Rate of Interest - Fixed | 8.16% |
| Total Amount Payable | £915.24 |
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Credit is subject to age and status. Minimum spend applies. You must agree to the lender's Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.
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Eligibility Criteria
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To apply for finance you must be:
At least 18 years old.
A permanent UK resident.
In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
In receipt of a pension if you are retired.
Able to confirm sufficient income if you are registered disabled.
Credit is not available to:
Any customer not able to satisfy all of the above conditions.
Any Director, Partner or Sole Trader looking to use credit to purchase goods to supply their own business.
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How To Purchase On Finance
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Interest Free Credit is available on orders over £399 - Classic credit is available on orders over £350
1. Add the required items to your shopping basket
2. Enter your name and address, please note delivery can only be made to the address on the finance application.
3. Select the finance checkout option at the bottom of the page.
4. Complete the finance application with V12 and pay them the deposit. A decision will be made and checkout completed.
5. Upon succesful completion your order will be processed and despatched in the normal way whilst you continue to make the monthly payments.
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Delivery
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We will only be able to despatch items to the address on the finance application.
We will be unable to send items to an alternative address or collected from an alternative location.
We can only despatch your goods once we have received approval from V12 Retail Finance that the application has been completed.
The application must be completed before any despatch cut off times.
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Declined Transactions
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V12 Retail Finance will notify you if your application for finance has been declined. V12 Retail Finance do not inform us as to why the application has been declined. Possible reasons for your application to be declined may include :
You do not meet the eligibility criteria.
adverse credit reference agency information;
Your credit score;
You are considered to be overcommitted; or
Your existing account performance with other lenders.
If you wish to appeal the decision made by V12 Finance, it is advised you obtain an up to date copy of your credit report before appealing directly to V12 Finance. Due to data protection, all customer appeals must be emailed to [email protected] or for more advice, call V12 Finance on 02920 468916.
Mistakes can happen when inputting an application (such as spelling errors or incorrect house numbers) and this can lead to a declined decision. In the rare instance that this might have happened, please contact the V12 Retail Finance underwriting team on 02920 468916.
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The Lender
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Secure Trust Bank Plc trading as V12 Retail Finance. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number - 204550. Registered address - V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Company Number - 00541132.
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Finance Terms and Conditions
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Stock will not be allocated until the application has been completed and approved.
We reserve the right to withdraw finance on certain products at any time.
Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).
If items are returned which take the order under the minimum loan amount then an alternative method of payment will be required to pay for the outstanding goods or the entire order should be returned.
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If your item is faulty or not as described
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Under the Consumer Rights Act 2015 if you have received a faulty or misdescribed product you will be entitled to a full refund, but this right is limited to 30 days from when the product is received.
If you feel you have received a faulty or misdescribed product then please contact our customer support team.
In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge.
This should be done straight away but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website.
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