Flexi-pay Terms and Conditions
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 monthly instalments, interest free. The first payment is taken when you place your order and the other payments in subsequent months.
When do I pay for postage and packaging?
Postage and packaging is paid in full with the first instalment.
When is Flexi-pay available?
The option to pay by Flexi-pay is offered by Ideal World in respect of specific products only and may be limited to a particular show or time period. Ideal World Customers can choose to pay by Flexi-pay by speaking with our Customer Services team on 08431 680 680.
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 if you want to.
Can I choose how many instalments to pay by?
If you are ordering two products at the same time with different payment schedules, you can choose to pay both over the longest schedule (see above). However, apart from this the number of instalments will be set by Ideal World when we make the products available to you.
Who is eligible for Flexi-pay?
All customers are eligible to use Flexi-pay when it is offered by us; however we reserve the right to refuse to allow payment by Flexi-pay.
How do I pay?
Flexi-pay instalments must be paid with a credit or debit card. At this time Maestro Debit cards are not supported for payment by Flexi-pay, however you may pay for a product in full using a Maestro card. We take payment of the first instalment and postage and packaging when you place your order and we will collect payment of subsequent instalments automatically from this card monthly till the order is fully paid. We will only accept the card if the expiry date is after the date your last Flexi-pay instalment is due. We will not accept payment by cheque.
Can I use Discount Vouchers?
If you wish to use a discount voucher on Flexi-pay, we will spread the discount proportionally across the eligible items in your basket reducing the item cost and then calculate the Flexi-pay schedule accordingly.
Can I change the credit/debit card I use to pay my Flexi-pay instalments?
Yes. If you contact our Customer Services department, we can update the credit or debit card details held for you. If you change your card details while you have any Flexi-pay instalments outstanding, then the next instalment(s) due will be taken when you register your new card with us even if this is earlier than when the instalment is otherwise due. If you have an overdue instalment, this amount will be taken instead. This ensures that the credit or debit card details have been validated.
How do I settle the account early?
Please contact a member of the Customer Services team on 08431 680 680, who will be able to take payment from you for your remaining instalments in one go.
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 £10 plus VAT administration charge to your outstanding balance and this will be payable immediately along with your missed instalment.
What happens if the second 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 £10 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 £20 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.
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.
This will mean that higher priced items will receive a higher proportion of the discount. In the unlikely event that you need to return an item to Ideal World, applying the discount in this manner allows us to refund you correctly taking into consideration the discount you received for that item.
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.
For an example breakdown of a Flexi-pay order, with discounts applied, please click
here.