Homebase Finance

kevsmt5

Hi I will shortly be moving into a new house and was looking to get some furniture from homebase. Sofa, sofa bed coffee table, side board and wardrobe. Total for items would be £2000 . I was thinking of getting on bnpl. Which I noticed is through barclays. I am a little worried I maybe declined and wanted to get the views of other's. Firstly do you need to get delivered to your current address or can you get delivered to another.. I wont have been on the voters roll in my new address when I want the items so would look to use my parents address where I am now and will be staying for a couple of weeks when I complete on mortgage, so I can take my time moving in. I am on voters roll at this address however would be easier to get delivered to my new address.. Also I currently have a credit card with barclays with 800 on from a 4500 credit limit, along with another credit card of 2400 with a 3000 credit limit. Both of which I will be transfering ballances to a zero percent card when I get settled in my new house. I am aware homebase loans are offered through barclays. Has anyone got any experience of using this facility or similar credit as myself.
Thanks in advance.

happycamel_2

I'm going to offer some boring and old fashioned advice. Get second hand stuff and concentrate on saving so you can pay off those card balances before your 0% deal ends (assuming you get one). Then save up and then buy new furniture.

That way you won't be on the DFW in a few years over your head with credit card and BNPL debt because your circumstances changed. Even if your job is secure you my get ill and wind up on SSP, the cost of living is rising all the time (utility bills up 8% in the news this morning). If you couldn't afford to save up the £2k already, how are you going to afford it when the repayments are due?

kevsmt5

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

Cycrow

another option could be the Argos Card, which is by Vanquis

I applied for one when i was moving home at my new address. They just wanted me to send details confirming my new address and i was accepted.

Have you thought about getting things from different places ?
ie, sofas and such could be got on interest free credit from the various sofa places

BeenThroughItAll

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

To be fair, you asked for and were given advice.

With previous thread highlights including 'I can't pay my payday loan' and 'I'm a discharged bankrupt' perhaps you should consider listening to it?

Clive_Woody

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

It's a public forum where, within reason, people can type what they like. The advice was sensible enough but obviously you are under no obligation to follow it.

In response to your questions probably the best approach would be to ask Homebase directly as they will arrange the finance.

Contact details linked below.

http://www.homebase.co.uk/webapp/wcs/stores/servlet/HomebaseStaticPageSecondLevel?langId=110&storeId=10151&includeName=HBCustomerServiceArticles/contactusfaq.htm

chanz4

get the argos store card , not credit card and you can then use at homebase without vanquish apr

bargainbetty

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

You told us about an area of your life and finances, and asked for advice on it. On a money-saving site, it is perfectly acceptable for someone to take the time to recommend you consider a way to avoid taking on debt by waiting and saving up, particularly if you have posted about debt problems before.

If you don't want personal opinion, then call the lender/seller directly or google the details for yourself. Don't come on here and be rude to people who are trying to help.

jonesMUFCforever

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

Good advice is often spurned on here.

worried48

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

You've already posted about your life and finances to this forum - you were in serious enough trouble to take out a PDL just a few months ago and before that you had been bankrupt. You might do well to consider whether you really want to get yourself in debt again just for the sake of a bit of furniture that you could pick up for next to nothing in a charity shop.

JoeBloggs1

kevsmt5 wrote: »

Hi , I thought i may run into someone who would assume they know my life and my finances, and then tell me what to do with such life and finances.
Thanks for your concern

You're taking out a £2k loan to buy furniture. No one should ever take out a £2k loan to buy furniture, unless the rate is less than inflation. Save up.