Pay on finance: Kitchen, Bathroom and Bedroom fittings

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Pay on finance: Kitchen, Bathroom and Bedroom fittings
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Customer Service Policy

 

At Leekes we offer a number of different finance options to make your new dream kitchen, bathroom or fitted bedroom furniture a reality. We offer up to 10 years affordable finance on all installations throughout the year and during selected time periods, and interest free credit option.

We have included the detail below for you to decide which option may be most suited to you.

Ask a member of staff in store, if you require further details around our finance options.

Finance is subject to status, conditions apply. Credit is provided by Creation Consumer Finance Limited Authorised and Regulated by the Financial Conduct Authority.

How to pay on interest free credit:

  1. Go shopping! Choose your dream kitchen or bathroom and then you’ll see a tick and 0% Finance available on the product page if the item is eligible for Pay on Finance.
  2. Apply: Simply choose the finance option on Step 3 of the Checkout page and complete all the information accurately. If you make a mistake, do not worry, you are able to review all your entries, together with the items you have ordered, and amend them before you submit your application. Note: Your order has yet not been accepted. Your application for interest free credit has not yet been approved.
  3. Get approved: You will see an in-principle decision at the end of the checkout. Your order will either be approved, referred, or declined. Sometimes we will need additional information before your order can be approved. If your status shows as referred, further checks will be carried out before your order can be accepted.

You must ensure that you provide a weekday, daytime telephone number during your order so that we can contact you to discuss the loan arrangement if necessary. 

Qualifying spend thresholds and duration of the finance term

In store offer

Minimum loan valueLoan term (months)DepositMaximum loan amount
£7501220%£12,000
£1,7501820%£12,000
£2,4002420%£12,000
£3,6003620%£12,000

 Online offer

Minimum loan valueLoan term (months)DepositMaximum loan amount
£600120%£12,500
£1,800180%£12,500
£2,400240%£12,500
£3,600360%£12,500

Please note:

Interest free credit is subject to status and affordability. For online purchases, you will complete your finance application during the online checkout. This will take approximately 20 minutes and will include a credit check. An employer reference check may also be required. No order or contract exists and no goods will be dispatched until these checks are made and receipt of your e-signature credit agreement is confirmed.  A failed application for finance may affect your credit status. Duration of interest free credit is dependent upon spend level and non-negotiable.


Finance terms and conditions online may differ from those offered in store. Please contact your branch before making a visit to ensure that the items you require are eligible for interest free credit.

Leekes is pleased to offer you the option of paying for your shopping in easy to manage installments, including an option that is completely interest free.
Unless otherwise stated, Conservatories are not sold with interest free credit – check in store for applicable finance packages.

FAQs on financing your Kitchen and Bathroom installation

How can I make payments to my account?

Online:

Visit www.creation.co.uk

Register your details and login once you get your password via email.

From here you can make payments, view information about your account, update your details and much more.

By phone:

Call Creation on 0371 402 8905 and pay through their automated system using either a Debit or Credit Card.

What types of payment do creation accept?

  • Mastercard credit/debit card
  • Visa credit/debit card
  • Visa Electron
  • Switch
  • Maestro
  • Solo

Can I pay more than my monthly repayment?

You can increase the amount of your monthly payment or make additional payments at any time to reduce your account balance and shorten the term of your loan.

Will you credit score me and if so, what does this mean?

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 online 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 us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, or disability.

What type of information do credit reference agencies hold about me?

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. 

How do I obtain a copy of this information?

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

Consumer Help Desk Experian Limited PO Box 8000 

Nottingham NG1 5GX 

Equifax Ltd., Credit File Advice Centre. PO Box 1140. 

Bradford, BD1 5US 

Consumer Services, TransUnion International UK Limited, 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. 

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you. 

How do I raise a complaint?

Please contact us (Leekes) with details of your complaint. If you still have not resolved your concerns and you have purchased a product with the assistance of retail finance provided by Creation Consumer Finance Limited, then you can direct any complaint to them and they will then work with Leekes to seek a resolution. You can also escalate your complaint to the Financial Ombudsman Service (https://www.financial-ombudsman.org.uk/) if you feel that Leekes and Creation Consumer Finance Limited have not addressed the issues you have raised in a reasonable manner. 


INTEREST FREE CREDIT

#0% APR Representative

Terms & Conditions

  • Finance is subject to status and available only to persons aged 18 or over.
  • Minimum deposit of £500 or 10% of total order is required
  • Minimum duration of finance agreement is 12 months.
  • Offer available on kitchens and bathrooms only. Excludes selected concessions and partners. Ask staff for details.
  • Full written details are available upon request.
  • Up to 3 years IFC available on Infinita branded kitchens.
  • Up to 2 years IFC on Casa branded kitchens.
  • 12 months IFC available on all other kitchens.
  • Offer only available at selected periods throughout the year – ask in store for details.

Interest Free Credit is available on selected dates only. Interest Free Credit subject to status. You will complete your finance application in store.  A failed application for finance may affect your credit status. Duration of Interest Free Credit dependent upon spend level and is non-negotiable.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

How do I contact Creation Consumer Finance Limited?

Onlinewww.creation.co.uk

For Creation Consumer Finance Limited questions and FAQ’s please visit their support page at https://www.creation.co.uk/faqs

Emailcustomerenqueries@creation.co.uk

Phone0371 402 8905

  • Monday – Friday 08:30 – 17:30
  • Saturday 08:30 – 17:00

Outside of these hours you will be able to use the automated services to make payments or access account information.

Address: Creation Consumer Finance Ltd, Chadwick House, Blenheim Court, Solihull B91 2AA

What type of payments to Creation accept?

  • Mastercard credit/debit card
  • Visa credit/debit card
  • Visa Electron
  • Switch
  • Maestro
  • Solo

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on the screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement (Leekes) will be notified and you need to do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF 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 credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Creation Consumer Finance Limited. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

If you decline my application, what is the reason?

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

· Your credit score (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 

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications. 


AFFORDABLE FINANCE

#9.9% APR Representative

Terms & Conditions

  • Finance is subject to status and available only to persons aged 18 or over.
  • A minimum deposit of £500 or 10% of total order is required upon placing the order.
  • Minimum purchase level of £1000 required.
  • Available on Conservatories, Windows, Doors, Kitchens and Bathrooms only.
  • Excludes selected departments, concessions and partners. Ask staff for details.
  • Full written details are available on request.

Leekes Ltd. acts as a credit intermediary and offers credit products from Creation Consumer Finance Limited. Leekes Ltd. acts as a credit broker and not the lender. Leekes Ltd. offers products from Creation Consumer Finance Limited. Creation Consumer Finance Limited act as the lender. Terms and conditions apply, subject to application, financial circumstances, and borrowing history. Minimum spend and eligibility criteria applies.
Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority. Registration Number 311518. 

Terms & Conditions

Please be aware that your order remains on hold until the cancellation period has expired.


Official company information
Company Name: Leekes Limited

Registered Head Office
Leekes Limited
Mwyndy Business Park
Pontyclun
Rhondda Cynon Taff
CF72 8PN

Registered Company Number in England and Wales : 00563751
VAT number: 135044206

 
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