Paying via Klarna before goods reach me

nik_k

I've ordered a new bed, and have financed it through Klarna.  The bed is on a long lead time, and my Klarna payments were due to start approx 3mths before the bed will be be in my possession.  I therefore asked Klarna to pause payments until the bed is with me.  However, the bed supplier is now saying that, as Klarna are not sophisticated enough to anticipate preorder, it's correct that they start to take payments prior to the bed arriving.  Apparently my order is now 'auto stopped' and may be reallocated to another customer unless I commence payments to Klarna.

I'm not sure where I stand with this?  Should I really be expected to start paying for goods I haven't received?  I chose Klarna as I didn't want to pay up front, in advance of the bed arriving.

Fosterdog

If you paid in full up front you'd be paying before the goods arrived so why would paying by instalments be any different?

[Deleted User]

That’s the way Klarna works. 

nik_k

Fosterdog said:

If you paid in full up front you'd be paying before the goods arrived so why would paying by instalments be any different?

When I bought sofas last year, I ordered in Feb, received in Jun, and only started paying instalments a month after delivery. 

nik_k

MarkN88 said:

That’s the way Klarna works. 

Do you mean that they’re unable to comprehend the concept of preorders?

Fosterdog

nik_k said:

MarkN88 said:

That’s the way Klarna works. 

Do you mean that they’re unable to comprehend the concept of preorders?

They can comprehend pre orders, they still however choose to start taking payment at a set time after ordering rather than delivery. If you were unhappy with those terms you should have made alternative payment arrangements.

born_again

nik_k said:

Fosterdog said:

If you paid in full up front you'd be paying before the goods arrived so why would paying by instalments be any different?

When I bought sofas last year, I ordered in Feb, received in Jun, and only started paying instalments a month after delivery. 

That will be because the Sofa co use a "Regulated" finance provider, which Klarna are not.

nik_k

Fosterdog said:

nik_k said:

MarkN88 said:

That’s the way Klarna works. 

Do you mean that they’re unable to comprehend the concept of preorders?

They can comprehend pre orders, they still however choose to start taking payment at a set time after ordering rather than delivery. If you were unhappy with those terms you should have made alternative payment arrangements.

I’m not necessarily saying that I’m unhappy with the terms, I’m just saying that they seem to be different than many other purchases I’ve made in the past.

nik_k

born_again said:

nik_k said:

Fosterdog said:

If you paid in full up front you'd be paying before the goods arrived so why would paying by instalments be any different?

When I bought sofas last year, I ordered in Feb, received in Jun, and only started paying instalments a month after delivery. 

That will be because the Sofa co use a "Regulated" finance provider, which Klarna are not.

Regulated as in subject to finance regulations, and not free to do as they choose? Not sure of the distinction.

Lomast

Different forms of credit, many mainstream lenders offer buy now pay after delivery finance, karna just offer monthly payments which start as soon as the order is placed

born_again

Regulated as in you have FCA protection. Klarna are simply a co who have agreed with the retailer to pay them for your purchase (no doubt with a big discount) while you pay them over 3 months.
At one point Klarna were not even interested in helping people that had not got the goods from retailers.