Terms & Conditions

                NEED INFORMATION? PLEASE READ OUR T&CS

The Web Sites, www.homestyle4u.co.uk and www.homestyle247.com are both operated by Homestyle Nationwide Ltd. These Terms and Conditions apply to all transactions on this website and made via our Homestyle Vans. Please read them carefully. They do not affect your statutory rights. Please read this document carefully and print it off or download it before placing Your Order. Occasionally, We will update these Terms. The Terms published on the Website at the time you place Your Order will apply, so you should read them each time you shop with us. Please note that different terms, including prices, delivery charges, delivery times and returns policies, may apply to purchases from one of our mobile shops. By placing an Order with us, you are accepting these Terms

There is a £12 (incl VAT) Annual Membership Fee. This will be added to your account on joining with us, annually thereafter if you have a balance. If you have no outstanding balance you will not be charged. No money will be taken from your bank direct.

We hold stock of most of our products but all orders are subject to availability and accordingly, we can only Deliver Your Goods whilst stocks last. In some cases an order will be placed directly with the Manufacturer and will be subject to their availability. If the Goods are unavailable, we will contact you by e-mail or telephone and you will have the option to either wait until the Goods are available, replace them with alternative goods or cancel your order.

We and our suppliers are the owners of the copyright, trademarks and all other intellectual property rights in the material and content of this Website.

You may only use the material contained on this website for your own personal and non- commercial use.

You agree not to intentionally misuse this Website.

The Website may contain links to other websites unrelated to us. We are not responsible for the content or practices of these websites.

IMPORTANT: We try very hard to ensure that all information on this site is accurate. However, just occasionally, an error can occur. If we discover an error in the price or description of a product you have ordered, we may cancel your order at any time up to the point we send you the product(s) (even if you have received your order confirmation email) . We will contact you where we become aware of an error and ask whether you wish to continue with your order at the correct price or cancel it.
We cannot guarantee that your monitor’s display of any colour will accurately reflect the colour of the actual goods.

Whilst we try to be as accurate as possible, all sizes, weights and measurements quoted on this Website are approximate.

E&OE means Errors and Omissions Excepted and we reserve the right to correct oversights and mistakes at the earliest reasonable opportunity.

IT and Human errors can occur.  If by mistake we have under priced an item, we will not be liable to supply that item to you at the stated price, provided that we notify you before we dispatch the item. Consumer Law states that a retailer does NOT need to sell goods at the advertised price.

These terms and conditions and all transactions relating to this website are governed by English law and are subject to the non-exclusive jurisdiction of the English courts. We do not accept amendments to these terms and conditions.
These terms and conditions cover the Homestyle Nationwide Ltd websites. Any other websites to which you link from this site are governed by their own terms and conditions. We accept no responsibility or liability for the content or operation of websites which are not under our control. We are required by law to tell you that sales can be concluded in English only and that no public filing requirements apply.

You will have an opportunity to check and correct any input errors in your order up until you click the Submit Order button.

After you submit an order we will give you an Order Number and details of the products you have ordered. We will send the same details to you in an email acknowledging receipt of your order.  Please note that these emails are both acknowledgements, not acceptance of your order.

If you have not made regular payments then your order may be cancelled or delayed until payments are up-to-date.

Subject to the paragraph headed “IMPORTANT” underneath the “Prices and Payment” section below, acceptance of your order and the creation of a legally binding contract between us will only occur when we send you an email confirming your order (Order Confirmation). This will contain details of what you have ordered. Alternatively, we may decline all or part of your order for any reason, in which case our we will email or call you to tell you so, this may take up to 28 days if there are any irregularities on your account or if we are unable to get stock.

Any out of date information may result in Homestyle Nationwide Ltd not being able to deliver your order and subsequently cancelling it. It is important that we have your most recent email address and contact phone numbers as we will always contact you before delivering your order to arrange a suitable delivery time.

All prices and charges on this site are in UK pounds. They include any VAT payable, but exclude delivery charges that may apply. For all other details see ‘Delivery’ in member support. The total cost of your order will be the price of the products you order, the applicable delivery charge. All these will be set out clearly in your Shopping Basket before you submit your order. Delivery will be added at the checkout.

We make every effort to keep our delivery charges as low as possible. The standard charge depends on the type of product ordered and is displayed on each product page. 

You will always see all applicable charges before submitting your order. 
Our delivery charges are currently: £4.75 for orders up to £50, £5.99 for orders from £50 to £100 and £6.98 for orders up to £150. Orders over £150 are FREE unless specified

VAT is included in all charges.

Prices, offers and products are subject to availability and may change before, but not after, we accept your order. If something becomes unavailable we may offer you an alternative or suggest one of our Vans calls on you.

Delivery charges may be combined, where possible if you order more than once on one working day. Dependant on size and weight of your combined parcel.

Delivery charges will not be combined if orders are placed on different days.

Members may enter all competitions free of charge and with no purchase necessary.

Winners will be selected at random by another member, a member of staff or a random number generator.

No friends or family of employees of Homestyle Nationwide Ltd can enter.

Winners (their name displayed as we have it on file, no other personal data will be supplied) may be notified on our website and sometimes personally via email and social networking sites.

Prizes are non refundable. Prizes can not be returned and exchanged for other products. Prizes can not be exchanged for cash or credit. 

Additional terms and conditions may apply for prize competitions, pre-release orders and our added value services and offers. If so, you will be alerted to them at the relevant juncture.

Only members can be helped unless advertised differently, members must have an active account with us and must not be in arrears. if account falls into arrears we will be unable to continue support for the charity/event We would like members to keep us updated with events and amounts raised so we can update our website. We will not donate money only goods. We like to promote any charity events via our website, Blog and on Facebook using logos and photos when appropriate.

Homestyle Nationwide Ltd offer an item or items occasionally cheaper than leading high street shops. These offers are only available while stocks last. Prices are stated with the date of the leading high street shop and catalogue number if available. Prices of offers are correct at time of print. We have the right to change or withdraw these offers as and when necessary.

We do not accept cash.

All our transactions go directly through our bank.

Important information regarding your Recurring Payments. We advise you to read everything in BOLD.

Arrears Letters

 

An Email and Text will be sent to members that have missed their first payment.   If you do not respond to this within 7 days a letter, second text and email (sent to the information registered with us) will be issued (which you are charged for see below).  If there is no response to the 2nd letter then a 3rd letter regarding making a home visit will be sent 7 days later (also a charge will be added for this letter see below).  

Direct Debit Payments

For all members paying via Direct Debit Payment. Payments are secured by Go Cardless.

If you have agreed to make weekly, fortnightly, 4 weekly or monthly recurring payments it is your responsibility to stop payments when needed. It is also your responsibility to make sure that adequate funds are available.

If you cancel your Direct Debit whilst having an existing balance and not informing us you will be contacted and charges will occur. See arrears summary for the charges below.    

If more than one letter is sent to you reminding you of a missed payment an administration fee charge of £12 including VAT per letter will be added to your balance.

Any Go Cardless Transactions will show up on your bank statement as Go Cardless Homestyle, Homestyle Nation or Homestyle Nationwide or a similar variation.

Any Direct Debit payments that fail will be automatically sent for retry for payment within 3 working days

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Debit Card Payments

For all members paying by their debit card, payments are secured by Sage Pay for your recurring payments please note the points below:

If your Card Processing payments are declined it will automatically be tried again up to 5 days later

If more than one letter is sent to you reminding you of a missed payment an administration fee charge of £12 including VAT per letter will be added to your balance.

If you wish to stop your payments you must contact Homestyle direct.

Any card Transactions will show up on your bank statement as Homestyle, Homestyle Nation or Homestyle Nationwide or a similar variation.

Please note that if you fall into arrears your account may be passed to the credit reference agency, Experian. 

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Standing Order Payments

You are in control of your standing order payments not Homestyle Nationwide Ltd, you will need to contact your bank about your payments not Homestyle Nationwide Ltd as we can not alter them for you.

If you have agreed to make weekly, fortnightly, 4 weekly or monthly recurring payments it is your responsibility to stop payments when needed. We are not able to do this on your behalf.

If more than one letter is sent to you reminding you of a missed payment an administration fee charge of £12 including VAT per letter will be added to your balance.

Any Transactions will show up on your bank statement as Homestyle, Homestyle Nation or Homestyle Nationwide or a similar variation.

Please note that if you fall into arrears your account may be passed to the credit reference agency, Experian. 

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In Summary if you fall into Arrears

We will write to you a maximum of three times you will be charged an administration fee for the second and third letters of £12 inclusive of VAT per letter, the first letter has no charge, total letter administration fee could be up to £24 inc VAT. Please note your third letter will also include an added Home Visit charge of £30. 

All letters sent to you will include FCA Arrears Information Sheet to help you.

If you are struggling in any way please contact us to see how we can help 07525 700 840 or email us at payments@homestyle247.co.uk. Alternatively to see our helpful links at the bottom of our website.

Phone calls are at our expense.

Your account may be closed if you receive a home visit

You will be charged £25.00 for every charge back made with your bank if you pay by debit card or Direct Debit. This is to cover our administration costs. You will also be charged £12 for the first letter informing you of this charge back.  

As per the Direct Debit Guarantee we would like to inform you that it is a crime under the 2006 Fraud Act to wrongfully chargeback a payment.

Please note that if you fall into arrears your account may be passed to the credit reference agency, Experian. 

Ordering via Website and Personal Shoppers if you fall into Arrears

If you have missed one or two payments then you will not be able to order until those missed payments are made up. So if you missed one/two payment(s) then you will not be able to order until one/two payment(s) have been made and show on your account history.

If you miss three or more payments and have received an AR2 letter and recommence payments you will have a 12 Week wait*  until you are able to order again.

If you have received an AR2 letter and do not recommence payments you will not be able to order.

If you have received an AR3 letter and recommence payments straight away then you will have a 12 Week wait until you are able to order again.

If you have received an AR3 Letter and not re started payments and a Local Homestyle Agent has to visit you at your home then you will not be able to order again and your account may be closed.

If you fail to pay then you fail our affordability checks and we can not sell to you. 

* Missed Payments explained – 12 weekly missed payments is equal to 12 weeks if you pay weekly, 6 months if you pay fortnightly and 3 months if you pay monthly. 

Personal shoppers can not sell to members who have made charge backs on their accounts.  This means if you have tried to take payments back that you have already made then you will fall into arrears and we can not sell to you.

If you have lost your copy of your T&C and would like another copy please email us at info@homestyle247.co.uk

 

Homestyle Treating Members Fairly (TMF) Policy means we will always pay due regard to the interests of our members and treat them fairly.

This policy has been designed to demonstrate the application of TMF during the course of our day to day activities. Members can be confident they our products and services marketed and sold are designed to meet the needs of identified consumer groups and targeted accordingly.

Members are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Where members receive advice, the advice is suitable and takes account of their circumstances.

 

Raising Credit Limits

To raise a credit limit you will need to contact the Credit Team who will be able to set this up for you. Please note every account will be personally assessed on its own merits and your credit limit will only be raised after affordability checks are completed and agreed on your new weekly, fortnightly, 4 weekly or monthly payment terms.

If you wish to raise your standing order payments to increase your credit limit with us, you can do this yourself either by using online banking or speaking directly to your bank and asking them to raise your current standing order to the required amount. Then just give our Credit Team a call on 07525 700 840 to inform them of your new payment amount.

Remember only raise your standing order to an amount you are comfortable paying every week / month as your bank may charge you if you have insufficient funds available to cover you payment.

EXISTING MEMBERS (6 MONTHS PLUS) Members will need to make 4 payments at the higher amount before their limit is raised.

NEW MEMBERS (UNDER 6 MONTHS) please be aware you will need to have made a minimum of £100 worth of payments before your limit will be raised.

Typical Amounts

Our credit limits are based over a 24 week payment plan listed below are the payments required to receive each credit limit.

£5.00 a week – credit limit £120.00

£6.00 a week – credit limit £144.00

£7.00 a week – credit limit £168.00

£8.00 a week – credit limit £192.00

£10.00 a week – credit limit £240.00

£11.00 a week – credit limit £264.00

£12.00 a week – credit limit £288.00

£15.00 a week – credit limit £360.00

£20.00 a week – credit limit £450.00

The Credit Limits are based on the equivalent of a weekly payment.

Homestyle, Homestyle4u.co.uk and Homestyle247.com are all trading names of Homestyle Nationwide Ltd and all companies are authorised and regulated by the Financial Conduct Authority No: 726190. Registered in England No. 2880109. Registered Office 75 Park Lane, Croydon, CR9 1XS. We are Registered with The Data Protection No. Z6704385. WEEE Registration No: 5867. Buy with Confidence Member No 1630/13. VAT No. 629234338

These terms and conditions may be changed by Homestyle Nationwide Ltd at any time, for the most up to date information always log into our website.