Spend between £250 - £1,000 on selected products or services at Ilkley Car Audio Ltd, pay just 25% deposit and spread the balance equally over the following 3 months with interest free payments and no fees. There are no credit checks or lengthy forms to be completed, so as long as you have a UK-registered debit card with sufficient funds to cover the 25% initial deposit, you can take advantage of the scheme.

Payment Assist is currently available on all products of services between £250 - £1,000.

You pay a quarter of the bill on your debit card. Thre further equal payments will be taken monthly from your debit card.

Deposit in-branch

 March £100

First payment

1st April £100

Second payment

1st May £100

Final payment

1st June £100

For credit applications over £1000 a credit check is required applications are subject to credit history!

Payment Assist Ltd Terms and Conditions for Payment Agreement on all transactions

Parties

The Agreement shall be between Payment Assist Ltd, (Registered and

Correspondence Address: Unit 5A, Digby Drive, Melton Mowbray, Leicester

LE13 0RQ) and the Customer named on the recurring transaction authority

Definitions

The words below have the following meaning in this Agreement:

“Act” is the Consumer Credit Act 1974

“Amount of credit” is the amount of invoice shown on the recurring

transaction authority overleaf

“you”/”your” means the borrower

“we”/”us”/”our” means Payment Assist Ltd, its successors and assigns

Communications

Unless otherwise agreed, all communications and documentation in relation to

this Agreement will be in English

Collection of repayments

The repayment of the facility will be made from recurring monthly debits from

your debit card as set out in the recurring transaction authority. A signed

recurring transaction authority (overleaf) is required to be completed to allow this

facility to be put in place.

Your costs for obtaining the facility

The facility is set up as an interest free facility. There are no charges for

obtaining this facility or interest costs for the term of the facility provided the

repayments are made in line with the recurring transaction authority. The Total

amount payable is equal to the Amount of credit, with no Charge for credit.

Late payment charges

Charges will be payable on each occurence of one or more of the following

events:

Returned/recalled or declined payment; £10

Letters sent to you as a result of a breach of your credit agreement; £15

Telephone call in respect of late payment; £10

Issue of default notice; £20

Transfer of your account from Collections to Debt Recovery; £25

Alteration of terms from those agreed will be dealt with and charged on a

case by case basis

We may also charge our reasonable legal costs and disbursements for

enforcing any term of the agreement

You must pay us on demand the amount of any reasonable expenses or

cost incurred as a result of any misleading or inaccurate information given

in connection with the agreement

These charges will be incorporated into the debt owed and will be debitted from

the debit card provided in the recurring transaction authority

Your right to withdraw

If you wish to withdraw from this Agreement you can do so, please notify us in

writing to Payment Assist Ltd, Unit 5A, Digby Drive, Melton Mowbray, Leicester

LE13 0RQ or over the phone on 01664 503151.

You must repay the amount you owe us either by cheque or by debit card. The

amount you owe us will be the balance of the facility, with no interest charged. If

you do not repay the amount you owe us within 30 calendar days from the date

you notified us of your intention to withdraw, we will recover it as a debt through

the courts.

Assignability

We may assign and transfer this agreement or all or any part of its rights

hereunder to any person, firm or corporation without limitation, and this

agreement shall be binding upon and inure to the benefit of the parties hereto

and their successors, representatives and assigns forever. Payment Assist Ltd

expressly prohibits the assigning of the rights under the agreement by the

borrower.

Your right to request a statement

Should you require a paper statement, please request this in writing to Payment

Assist Ltd, Unit 5A, Digby Drive, Melton Mowbray, Leicestershire LE13 0RQ.

Partial Early Repayment or Full Early Settlement

Should you wish to repay part or all of the facility early, please send the request

in writing to Payment Assist Ltd, Unit 5A, Digby Drive, Melton Mowbray,

Leicester LE13 0RQ or by calling us on 01664 503151.

As there is no interest charged to the facility, the balance will reduce by the

amount of the repayment.

Our right to demand earlier payment

We may demand immediate and full repayment of your facility if:

The information provided when you applied for the facility was false or

incorrect

You are more than 14 days overdue with any amount you owe us

If you become bankrupt

If you become insolvent

If you fall behind with your repayments we may pass information about the

amount you owe to a credit reference agency. Credit reference agencies record

this information and companies may use it to assess any future loan/credit

applications you might make. This may affect your ability to get credit.

Missing or underpayment

The consequences of not making your agreed payments are that the account

will be in default and

We may register your details with credit reference agencies

You may find it difficult to obtain credit in the future

Legal proceedings may be taken against you

If you are having any difficulties in making payments under your Agreement

please contact us.

Refunds

All refunds relating to the invoice associated to this authority, either directly or

indirectly, will be paid to Payment Assist Ltd and offset against the outstanding

balance.

Change of Address

You will notify us in writing within 7 days of any change in your address

Complaints

If you wish to make a complaint please write to Complaints Department,

Payment Assist Ltd, Unit 5A, Digby Drive, Melton Mowbray, Leicester LE13

0RQ

Law

Unless we agree otherwise, the Law of the residence of the borrower will apply

GDPR

Our GDPR policy is available online at https://www.payment-assist.co.uk/gdpr-

policy. Should you wish to remove your data in line with Article 18 of the policy,

please email compliance@payment-assist.co.uk to undertake this process.