Flexi-pay
What is Flexi-pay?
Flexi-pay is Ideal World's split payment system. It means that you can spread the cost of your new items into two, three or four predetermined easy monthly instalments - all completely interest free. When you order you'll make your first payment, along with any Postage & Packaging costs. Then there's no waiting around, your product will be dispatched for you to enjoy straightaway.
What items are eligible for Flexi-pay?
When you're shopping from live TV auctions, the presenters will indicate which items are eligible for Flexi-pay. When shopping online the Flexi-pay logo is shown either next to the product image, title or price of the eligible items. You will also be given the Flexi-pay payment option when ordering an eligible item through the automated phone system.
How do I pay?
Flexi-pay instalments must be paid with a credit or debit card. We take payment of the first instalment and postage and packaging when you place your order and then subsequent instalments will be taken automatically from the same card until the order is paid in full.
To use Flexi-pay, your credit or debit card must be valid for longer than 3 months following the date of your order. Please note: If the credit or debit card you used to pay your Flexi-pay instalments is lost, stolen or cancelled, you must contact Customer Services so that we can update your Flexi-pay account with your new card details.
How are my instalments calculated?
Ideal World may provide an instalment amount that differs from the amount you were expecting. If you have purchased more than one item and applied a discount code, the discount will be applied and divided between all of the items on your order. Instalments will be calculated on the final basket price.
When your order cannot be split equally over your instalment period, we will always add the extra amount to the first instalment.
Can I change the credit/debit card I use to pay my Flexi-pay instalments?
Yes. If your credit card is lost or stolen or you simply wish to change your details, you can call our Customer Services department, so that we can update your Flexi-payaccount with your new card details.
How do I settle the account early?
Once your order has shipped, you can pay the total remaining instalment balance at any time by contacting our Customer Service Department.
Can I apply Flexi-pay to an existing order?
Flexi-pay can only be applied to eligible items and must be selected at the time of placing the order before the payment has been processed and the purchase has been made. We cannot apply Flexi-pay to an order after it has been placed.
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 re-attempt to take payment again within 30 days after the original instalment date.
If your card is declined a second time, we will add an administration charge of £15.00 plus VAT to your outstanding balance payable immediately, along with your missed instalment.
What happens if the third attempt to take payment fails?
We will attempt to collect an instalment three times before escalating the requirement of the missing funds over to a debt collection agency. On the third attempt, we will add a second administration charge of £15.00 plus VAT to your account if this also fails.
At this point all remaining funds required for full settlement of the outstanding balance for your items (comprising the missed instalments and any future instalments) will be payable immediately in full, together with the combined missed payment administration fees of £30 plus VAT.
A debt collection agency will be instructed to recover these amounts from you and they will add additional administrative charges to the outstanding debt. 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 outstanding debt.
What happens if I need to return an item paid for with Flexi-pay?
If you need to return an item, we will refund your card for the exact amount that you have paid so far for that item excluding Postage & Packaging. If your order included more than one item and you still have further instalments remaining to pay, then we will adjust your schedule accordingly. Your statutory rights are not affected.
Can I change the credit/debit card I use to pay my Flexi-pay instalments?
Yes. If your credit card is lost or stolen or you simply wish to change your details, you can call our Customer Services department, so that we can update your Flexi-payaccount with your new card details.