Terms and Conditions
As of 28/01/19, iiPPY does not perform a Credit Check on applications.
How To Cancel
Any order cancellation requests MUST be sent through to Cancel@iiPPY.co.uk – This is the only method to cancel your order. You cannot cancel your order via any other means including over the phone, live chat or inbox.
100% Acceptance Rate
As of 28/01/19, iiPPY will have a 100% acceptance rate, subject to the following Terms & Conditions,
- Minimum age of 18 Years old.
- UK Bank account with Debit Card in applicant’s name which income is paid into.
- Can demonstrate (through affordability check) that applicants have expendable income to support re-payments.
- Relevant ID to support application – This includes bank statements which demonstrate income coming in as per affordability check conducted as part of the application and repayments from iiPPY. Also relevant Photo ID is required (Valid UK Driving License or Passport). If no photo ID is available, a birth certificate and utility bill from address where item is being delivered can be accepted.
- Although we do cover Mainland UK (Excl. Ireland and & Outlying Islands), our 100% Acceptance criteria is based on a 95 mile radius of M5 5HD. This is due to geographical restrictions affecting delivery in certain areas.
- You cannot be under influence of drugs or alcohol at the point of completing the application, and must understand the contract you are agreeing to as by completing the application, you are entering into a legally binding contract.
Information To Supply On Applications
No applications will be authorised for persons under the age of 18. The following information will be required to process an application.
Full name and address, date of birth and income. Applicants must confirm that agreeing to the purchase agreement, that there will be no reason why there should be any missed payments or any change in their financial situation within the next 3 months.
Continuous Payment Authority
Orders will only be placed on the agreement that the customers give iiPPY limited continuous payment authority. The card details that were given and card details that were used to make the initial deposit payment will be stored within our systems and used to clear down monies owed. iiPPY Limited DOES NOT accept payment by bank transfer, cash or cheque.
When the card is attempted to be charged between 1am and 5:30am and the payment fails to clear, iiPPY Limited will make a second attempt to charge the card on the due date. If the second attempt to charge the card fails then the bank card will be charged daily until the payment goes through which might result in one or more payments being debited from the bank card to take account of the arrears on the account. Items that have not been delivered will result in the delivery date being extended by an additional week. All payments that are due prior to delivery must be up to date or the item will not be delivered.
By purchasing through iiPPY, you accept that iiPPY has the right to use information and data collected from yourself as and when required, for example to present a defence case in the situation of a charge back made from a customer’s bank. This includes but is not limited to the signed purchase agreement, drivers licence/passport, bank statements, photograph of item inside of property, call and video recordings, body camera footage and any other information/ documentation that we hold that we deem suitable to use.
Documents To Provide For Inspection on Delivery
Please note that if the following documents are not provided on delivery then the item will not be left with the customer. Proof of I.D of I.D check on delivery. Driver Licence or Passport. Other forms of I.D might be accepted. In some instances, where it is not possible to take a copy of these at the door, we may request these prior to the item being delivered.
Bank statement for proof of income. Other forms of I.D might be accepted.
Please note – We are unable to release any goods for delivery if your account is in arrears with any payments. Any missed or partial payments will need to be caught up before any delivery can be made. This does mean that the delivery date as per your purchase agreement can be changed if any payments have not been caught up on.
It is strongly recommended that all customers check their delivery item for damage. Once the item has been signed and the item has been left with the customer there can not be any claim for damage brought forward. Any form of damage must be brought to our attention at the point of delivery only. iiPPY will only deliver an item if the person whom placed the order is present at the property.
Items are delivered the week after X amount working days from the date of the first repayment. The amount of working days does depend on the items value. The delivery date will be confirmed before the delivery. The “repayment” is the payment made after the initial manual deposit payment made over the telephone, the repayment will be set to come out of your account automatically. iiPPY Limited do charge a delivery fee on all items offered. The amount in which we charge for the delivery will vary depending on the type, size and weight of the item. You will be advised on the costs of the delivery prior to placing your order and cost can be found on our website.
Cooling Off Period
You have 14 days of their first regular payment date to cancel and receive a full refund. After 14 days from that first payment date, you can cancel and receive a refund however it will be less the delivery fee. Should you have any questions or want any confirmation, please feel free to get in contact with ourselves and we can confirm the details of this for you.
In the unlikely event you do decide to cancel your order, any cancellation requests MUST be sent through to Cancel@iiPPY.co.uk – This is the only method to cancel your order. You cannot cancel your order via any other means including over the phone, live chat or inbox. Please see the above cooling off period for more details.
It is recommended that all customers have contents insurance for their property as the items purchased from iiPPY Limited DO NOT come with any form of damage insurance cover.
All items sold will come with a manufactures or distributors warranty. The length of time the warranty is valid for will change with different manufactures and distributors and depending on whether the item is new, graded or refurbished. It is recommended to read and familiarise yourself with each item warranty as you might be required to register your item to validate your warranty. iiPPY Limited does not directly supply any form of warranty on goods sold. It is agreed that repayments will not be withheld or paid short for items that develop a fault.
The purchase agreement for the item of service provided from iiPPY Limited comes with out fees or charges. This means that if you were to pay the balance in one full payment or spread the costs up to 12 weeks, making to up 12 payments you would be charged the same amount. iiPPY Limited will not change purchase agreements in any situation to increase the length of time the payments are to be made or the number of payments to be made. Any outstanding arrears on a purchase agreement will be collected in the form of debt. It is agreed that by entering into the purchase agreement with iiPPY that you accept to be contacted in person at home by an appointed agent from iiPPY, via telephone (text), email and post in relation to missed payments between the hours of 8am and 8pm Monday to Sunday.
Returning your Item
1) iiPPY Limited must be notified within 14 days of the customer receiving the item that they would like to return the item. The customer will be given a further 14 days from notifying iiPPY Limited to return the item. The item must be returned to us unused, in its original undamaged packaging and in a saleable condition.
2) It is the customers responsibility to arrange suitable postage and packaging to return the item back to iiPPY at the following address between the hours of 8am to 4pm Monday to Friday. Postal address: iiPPY, Units C1 – C3 Weaste Trading Estate, Weaste Lane, M5 5HD. iiPPY does not cover the cost of any returns.
iiPPY Limited reserves the right the assign the purchase agreement for the item sold to another person or company. Any money owed to iiPPY limited will be transferred with the purchase agreement.
Impact on Credit Score
Not keeping up with your repayments might cause serious money problems. We reserve the right to share our customer payment records with credit referencing agencies which can have an effect on a credit score. Credit scores can be seriously impacted should non-payments progresses to a County Court Claim.
Any payments scheduled for Bank Holidays will be taken the nearest working day before. Should you have any questions about this or want this confirmed, please feel free to give us a call.
Card Authorization Process
All first time customers will be required to undergo a card authorisation process, where the customers card will be charged 30p. This is part of the companies fraud prevention measures. Our systems will catch common fraud patterns such as card testing or trial abuse by evaluating payments holistically rather than in isolation. We surface previous related payments processed that match certain attributes like email address, IP address, or card number. The 30p charged to the customers card will be refunded back to the same card within 24 hours or the next following working day. The 30p charged to the customers card does not form part of an invoice purchase agreement. This payment could be made over the phone with one of our client managers or online at the checkout stage.
Online ‘Skip The Queue’ Checkout
Orders placed online where the initial card authorisation fee of 30p has been paid online will have the 30p refunded when the Payment Plan is created. When orders are placed using this method, we will always try and contact you multiple times usually within the next 48 hours in order to run through the details of your order with you and confirm your delivery date with you over the phone. If, after at least 48 hours and multiple contact attempts we aren’t able to get hold of you over the phone, we will create your order and payment plan using the details provided. We will then text you notifying you of this and email out the purchase agreement.
In the event that we fail in meeting our high standards of customer service please contact us at:- info@iiPPY.co.uk
Unit C1 Weaste Trading Estate
Data Protection Act
We are committed to protecting your privacy. We will only use the information that we collect about you lawfully (in accordance with the Data Protection Act 1998).