Financing Your Flooring

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,  authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

The minimum order is £560 with a 10% Deposit

You can apply for finance at one of our showrooms during business hours, alternatively our sales colleagues can send a link to your e-mail for you to complete in the comfort of your own home, all we need is an e-mail address & a mobile telephone number which will be sent a security code to begin your finance application.

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Homemakers aren’t excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

be able to provide your previous address if you have lived at your current address for less than 3 years.

have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Buy now pay later agreements – The monthly repayments will start once the deferral period of 6 or 12 months ends.

Interest Bearing Credit – The monthly repayments will start within 28 – 30 days from completion of your flooring installation or delivery.

No. There are no arrangement fees or hidden extras.

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement, Ross Hughes Flooring will be notified and you need do nothing more.

If you choose to print and return your agreement, you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance.

Fitting/Delivery confirmation of your flooring will follow soon after your agreement has been returned and received.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, Novuna Personal Finance also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna Personal Finance is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

Your credit score (please note that every finance company will score you differently)

Adverse credit reference agency information

You are considered to be overcommitted

You are aged under 18

Your existing account performance with other lenders

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Yes, we just need an approved proof of current address: Utility Bill dated within the last three months & drivers licence with current address shown.

After your first payment has been made you may contact your lender directly to change this date to a more convenient date. This is subject to agreement of your lender and they may levy a charge for doing so.

If you need to amend your order we will contact you to discuss the options available to you. This will depend on whether your order value has increased or decreased.

If you choose our Pay Monthly option and wish to repay in full after you have received delivery/installation of your flooring you should contact your lender who will be able to provide you with the full details of any settlement amount without incurring any penalty charges.