Littlewoods/Very pay monthly help

Chrisizzl3

Firstly i would like to apologise im new here & have no idea if this is the correct place of posting.

I am looking to buy a iphone 7 on a pay monthly plan (just the phone, no sim), these websites are willing to offer me (part) £600 credit, if i accept this credit am i obliged to any payments if i decide not to buy (as im unsure what happens as the phone exceeds the limit theyre offering me)

& Also if i was to accept the credit and try to buy a product for more than the amount given, what happens (e.g credit limit £600, phone £700)

Thanks for any help (their live chats are never not busy so cant get through to them)

bengalknights

You have 14 days to cancel any loan agreements you take out.

Chrisizzl3

Thanks, however if i dont cancel but also dont make any purchases then what?

redpete

If you don't buy anything you don't pay anything. If you spend £500 then your repayments would be based on owing £500, not £600.

If you buy something for £700 then I would expect you would have to pay them £100 up front and then pay off a loan of £600. Best place to ask would be the customer services of the company concerned.

Chrisizzl3

redpete wrote: »

If you don't buy anything you don't pay anything. If you spend £500 then your repayments would be based on owing £500, not £600.

If you buy something for £700 then I would expect you would have to pay them £100 up front and then pay off a loan of £600. Best place to ask would be the customer services of the company concerned.

Thank you alot, i finally got through to them and they told me this exactly... i also finally released they cant charge me as i havn't even given them any bank details by this point <face palm>

appriecate your help(s)