Littlewoods Buy Now Pay Later

fairydiamond

My apologies if this has been asked before, I've done a forum search and can't quite find the exact answer I'm looking for.

I received a code from littlewoods saying if I do a buy now pay later over £50 they will give me a £20 credit.


Now, there is an item I want which is £120 and I would like to use the buy now pay later, however, when I put the code in, it takes the order to £220.

I have read that if I pay the cash price before the 12 months end, I will pay no interest, but is that NO interest whatsoever. Do I have to pay £120 or £220!?

When I place the order, will it take £120 off my limit or £220? I'm confused.

sarah1972

fairydiamond wrote: »

My apologies if this has been asked before, I've done a forum search and can't quite find the exact answer I'm looking for.

I received a code from littlewoods saying if I do a buy now pay later over £50 they will give me a £20 credit.


Now, there is an item I want which is £120 and I would like to use the buy now pay later, however, when I put the code in, it takes the order to £220.

I have read that if I pay the cash price before the 12 months end, I will pay no interest, but is that NO interest whatsoever. Do I have to pay £120 or £220!?

When I place the order, will it take £120 off my limit or £220? I'm confused.

Firstly check very.co.uk before you order from Littlewoods as they are doing buy now pay later but for 95% of the stuff very is cheaper than Littlewoods even though they are sister companies.

I order from very all the time on buy now pay later and you MUST pay the entire balance before the interest free ends otherwise they automatically add the entire years interest on which you have to pay aswell.

Not quite sure why the item you are looking at is £120 but then says £220? It should say £120 and interest if you dont pay it off is £xx

Littlewoods

fairydiamond wrote: »

My apologies if this has been asked before, I've done a forum search and can't quite find the exact answer I'm looking for.

I received a code from littlewoods saying if I do a buy now pay later over £50 they will give me a £20 credit.


Now, there is an item I want which is £120 and I would like to use the buy now pay later, however, when I put the code in, it takes the order to £220.

I have read that if I pay the cash price before the 12 months end, I will pay no interest, but is that NO interest whatsoever. Do I have to pay £120 or £220!?

When I place the order, will it take £120 off my limit or £220? I'm confused.

Hi Fairydiamond,

You would not pay any interest on an item purchased on Buy Now Pay Later (BNPL) terms if the cash price of your purchase was paid in full before the charge date.

Any BNPL purchases are displayed on a separate section of your statement and will show the date the items are due to be charged, the settlement price and any payments that have been allocated to the BNPL account during the statement period - you will also receive a special reminder notice on the statement produced before the items are due to be charged to your account.

Your credit limit would reflect the full interest bearing price of your purchase as this is what could be potentially charged to your account at the end of the BNPL period.

Here's a link to our website with a little more information on our BNPL payment terms.
http://www.littlewoods.com/bnpl

If you would like any more information then you can email us at [EMAIL="help@littlewoods.co.uk"]help@littlewoods.co.uk[/EMAIL] and we would be happy to help.

Many Thanks

Dave
Littlewoods Help Team