What is Flexi-pay?
Flexi-pay allows a customer to spread the cost of the product (excluding postage and packaging) across 2, 3 or 4 instalments, interest free. The first payment is taken when you place your order and the other payments in subsequent instalments.
Step 1) Look for the Flexi-pay symbol
Wherever you see this Flexi-pay symbol, on television or on the website, it means Flexi-pay is available, if you want it.
Step 2) See the Flexi-pay details on the product page
If you want to know what Flexi-pay options are offered, simply click on the ‘Flexi-pay Details’ tab on the product page. This will show you how many payments you will make, and how much each payment will be. Alternatively, call our Customer Services team on 08717 123 456* to discuss the options.*Calls cost 10p per minute plus network extras.
Step 3) Put More Purchases in Your Flexi-Basket
Once you have added one Flexi-pay item to your basket, you can add other items – and these will also be included in your Flexi-pay plan*.
* Please check your basket before you check out as some items may not be available on Flexi-pay.
Step 4) Select your Flexi-pay items in the checkout
Once you have added your items to your basket and go to checkout, you will be taken to an Order Confirmation page. Under Order Details, tick the box to choose Flexi-pay – and scroll down to see your available payment options. Tick the box of your choice.
Step 5) Confirm your checkout selection and first payment
Read through your Order Summary to check that Flexi-pay has been applied and that your first payment (made with your order), is what you expect. If you order over the phone, our Customer Services adviser will confirm your plan.
Step 6) You will receive a letter through the post, detailing your purchase and confirming payment amounts and the dates they will be taken from your credit/debit card.
What happens if I order some products on Flexi-pay and some non-Flexi-pay products at the same time?
If you have some Flexi-pay and some non-Flexi-pay items on the same order, you may be offered the opportunity to pay for all products by Flexi-pay. If you don’t want to do this, or if you are not offered this option, you will pay for any non-Flexi-pay items in full when you place your order.
What if I order two Flexi-pay products at the same time but with different payment schedules?
If you order two products at the same time but with different payment schedules (a two and a three month term for example), you will be given the choice of paying for both over the longer time period.
How do I pay?
Flexi-pay instalments must be paid with a credit or debit card. At this time Maestro Debit and PayPal are not supported for payment by Flexi-pay. We take payment of the first instalment and postage and packaging when you place your order and then subsequent instalments automatically from the same card until the order is fully paid.
Please note: If the credit or debit card used to pay Flexi-pay instalments is lost, stolen, or cancelled, you must contact Customer Services so we can update your Flexi-pay account. Changing the card details stored against your regular Ideal World account will not automatically update your Flexi-pay account.
How do I settle the account early?
Please contact a member of the Customer Services team on 08717 123 456*, who will be able to take payment from you for your remaining instalments in one go. *Calls cost 10p per minute plus network extras
What happens if I miss a payment?
We understand that sometimes mistakes happen. If we attempt to take a payment and your bank declines it, we will send you a letter to let you know. We will attempt to take payment again 14 days after the original instalment date. However, if your card is declined again, we will add a £12.50 plus VAT* administration charge to your outstanding balance which will be payable immediately, along with your missed instalment.
*Please note that from1st January 2014, the administration charge will increase to £15.00 plus VAT.
What happens if the third attempt to take payment fails?
We will attempt to collect an instalment three times before handing it over to a debt collection agency. On the second and third attempt we will add a £12.50 plus VAT* administration charge to your account. If you have still not paid, all outstanding payments due for your items (the missed instalments and any future instalments otherwise due at a later date) will be payable immediately in full, together with the combined £30 plus VAT administration fee*. A debt collection agency will be instructed to recover these amounts from you who will add additional charges to the debt. Document and administration charges of 14% plus VAT will be added when the agency is instructed to recover the debt. This charge will be increased to 29% plus VAT if a doorstep collection is required. Failure to settle the account with the debt collection agency may result in legal action being taken against you and any legal fees and costs added to your debt.
* Please note that as from 1st January 2014, the administration charge will increase to £15.00 plus VAT and the combined amount (for two administration fees) will increase to £30 plus VAT.
What happens if I need to return an item paid for with Flexi-pay?
In the unlikely event that you have to return an item, we will refund your card for the amount you have paid so far for that item excluding postage and packaging. If your order was for more than one Flexi-pay item and you still have further instalments to pay, then we will adjust your schedule accordingly and notify you by letter. Your statutory rights are not affected.
I'm confused, how are my instalments calculated?
Ideal World may provide an instalment amount that differs from the amount you had expected, especially when discount vouchers are involved. If you have applied a discount voucher to your order, the discount voucher has to be split amongst the items on your order, and across the Flexi-pay instalments. When your order cannot be split equally over 2, 3 or 4 instalments, Ideal World will always add the extra pennies to the first instalment, so please bear this in mind. If you are a Craft Club member, then your discount will be applied first, followed by any discount vouchers you wish to use, before finally your instalment amounts are calculated and displayed.