Frequently Asked Questions - FAQ

You will need to register your information by using the Click Here to Join Us Today section on our website. It is important that you do this accurately to avoid delays in setting up your account, so please check everything before pressing submit. You will then be contacted by a member of staff to arrange your first visit from one of our mobile shops. We will endeavour to contact you within 24 hours depending on the day you register with us,you can also Click here to join

We need at minimum 1 original copy of proof of ID, original copy proof of income and 2 months original bank statements. Proof of income needs to be within the last 3 months for wage slips or within the last calendar year for your benefits entitlement. Please see below for examples of documents we accept.

We also need to see proof of income, by one of the following documents: you must have a valid bank account
• Wage Slips
• Benefit allowances
• Recent Bank Statements (online statements accepted) including all transaction activity - this is how we run our affordability checks. Must have current address on.

Homestyle Nationwide Ltd, also known as Homestyle4u, Homestyle 247 and Homestyle are all part of the same company . Our company registered address, licenses and phone number are visible on the website. Our friendly Homestyle Nationwide staff are here to speak to you if you would like any further information, please don’t hesitate to contact us or check us out on Facebook, also Click here to find out more about us

A Homestyle Van, sometimes referred to as a Mobile Shop is a white Mercedes Sprinter Van but like no other! Our shops are nicely stocked full of our latest products and are displayed simply to help you find what you want and purchase it and take it straight home. We have full access to your account details meaning we can also print off statements, copies of invoices etc as our vans are fully equipped with laptops and printers.

No we do not credit check you. We know it’s hard for people to get finance especially if they have no credit history or have had problems with paying in the past. We have affordability checks based on the evidence you submit, this enables us to determine whether you can afford the payments.

We do not credit check we base this on your affordable income and on a low credit limit so you can prove you can make payments

Yes. However we still need to see your proof of income.

No. We do not accept post office accounts or savings accounts either.

We accept debit card payments, direct debits and standing orders only.

If your account is approved you are given a credit limit. You can order as many items as you like within that limit. So if you have a credit limit of £100 then the amount of credit you have to spend is £100.

We will email or call you with our decision. Please note all decisions are final, as we do not credit check potential new members we do not disclose the way we evaluate account applications. We make our decisions in a confidential manner in order to prevent fraud. You can however reapply in 3 months time and we will review your account application again if your circumstances have changed.

Yes. However you will need to have a good payment history of keeping up with pre-agreed payment terms from us and be able to prove you can afford it. You can request to raise your credit limit within My Account. Homestyle Nationwide Ltd do reserve the right to not increase your credit.

If you can’t afford the agreed repayments and your circumstances change, please contact us as soon as possible and we may be able to lower your pre-agreed payment terms to an affordable level.

If you are having difficulties making a payment or have missed a payment or are struggling in any way please contact us as soon as possible as we are here to help you.

If you pay by Standing Order:

You are in control of these payments not us. You should make sure you have enough money in your bank account to cover this each for each payment. You must contact us if you know you are going to miss a payment. If you miss 2 payments in a row you then you will be contacted by our office via the telephone, if we can not get hold of you we will text and write to you
( the first letter is free )
if we still have had no contact or payment made after 7 days from sending the letter you will receive a further letter at the cost of £12.00 (including VAT) to cover our admin costs which will be automatically be added to your account.

If you pay by Direct Debit or Debit Card Payments:

If we collect your payments from your card we will aim to collect the amount on a day/date agreed with you beforehand. Should you miss a payment our system will automatically attempt to collect the payment on the next day.

We do not charge late fees however we do charge for administrative letters (first one is free) and if we need to visit you at home then there will be a £30 fee charge added to your account (incl VAT).

All letters we send to you reminding you about your payments will include a copy of the FCA Arrears Information Sheet to advise you.

When you log in to " my account" . You can also request a statement, amend your personal details and see your purchase history.

Please refer to our delivery and returns policy:
Most products arrive within 7 working days of ordering, often quicker.
Please note: Courier can be up to 5 days and Larger products and fragile and breakable items will be delivered by our Homestyle Van and can take up to 14 days and will be delivered by our Homestyle direct.

No

No. We will only send your product to the address registered with us.

We keep your account open as long as you want it. However, If you have not used any of your credit within 3 months you may be asked for up to date documentation to show your circumstances have not changed.

Yes you can. You simply need to login to your account and make a payment via Sage Pay. You can then chose how much you would like to pay off.

We have personal shoppers who can place orders for you, this is a benefit for members who maybe do not have access to the internet, mobile shops or who simply want us to search for items for them as they do not have the time. You can access our Personal Shoppers via our Facebook group, email or text message. (We have two personal shoppers Lisa Drew and Helen Turner) click here to read about our Personal shopper Service.

All of your details are secure, your information is stored/transmitted on a encryption platform. Debit card payments are secured by Sage Pay. Direct Debits are secured by Go Cardless. All your financial details are totally safe. None of your financial information is shared with any third party.

Both this website and our associated website www.homestyle4u.co.uk have up to date SSL Certificates to keep your details safe. See our T&C for more info.

Homestyle now cover all areas of the UK.

Our Homestyle Vans cover Sussex, Surrey, Hampshire, London, Kent and Milton Keynes/Luton.

All other areas are website orders and personal shopper orders only, Vans will not be operating in these areas.