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Finance
Trevor John Holmes, Paul Victor Holmes, Jonathan Holmes, Jordan Holmes & James Holmes T/A Norwich Camping and Leisure acts as a credit broker/intermediary and not as a lender. Norwich Camping and Leisure is authorised and regulated by the Financial Conduct Authority (FRN 724483). Credit is available via two providers:
Klarna Bank AB (publ) – Registered office: Sveavägen 46, 111 34 Stockholm, Sweden. Corporation ID number: 556737-0431 – which is authorised by the Swedish Financial Services Authority (Finansinspektionen), with limited regulation by the Financial Conduct Authority.
V12 Retail Finance Ltd which is authorised and regulated by the Financial Conduct Authority (Registration number: 679653). Registered office: Yorke House, Arleston Way, Solihull B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff CF24 5PJ. V12 Retail Finance Limited acts as a credit broker, not a lender, and only offers credit products from Secure Trust Bank PLC. Not all products provided by V12 Retail Finance are regulated by the Financial Conduct Authority. Secure Trust Bank PLC trading as V12 Retail Finance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Details about the extent of regulation by the Financial Conduct Authority are available from us on request. Finance is only available to permanent UK residents aged over 18, subject to status, and terms and conditions apply. Minimum spend applies.
Spread the cost of your purchase with online finance
To help make purchases as easy as possible, Norwich Camping offer a great finance package on selected orders over £500. As of January 2017, our finance process is instant and you will know instantly whether or not you have been approved for credit. Finance is provided through our external partners Klarna Bank AB (publ) or V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with Klarna Bank AB (publ) or V12 Retail Finance Ltd.
Example Finance Options.
Interest-free example (6-month term):
Cash Price: £600.00
Amount of Deposit: £60.00
Total Amount of Credit: £540.00
Loan Term: 6 months
Annual Rate of Interest (Fixed): 0%
Monthly Repayment: £90.00
Representative APR%: 0%
Total Cost of Credit: £0.00
Total Amount Payable: £600.00
Interest-bearing example (12-month term):
Cash Price: £1000.00
Amount of Deposit: £100.00
Total Amount of Credit: £900.00
Loan Term: 12-months
Annual Rate of Interest (Fixed): 8.21%
Monthly Repayment: £81.16
Representative APR%: 15.99%
Total Cost of Credit: £73.92
Total Amount Payable: £1073.92
Will I qualify for Credit?
Credit is provided subject to status and we can only consider your application if:
- You meet minimum spend criteria
- You are over 18 and employed at least 16 hours per week
- You have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies
- You are a permanent UK resident and able to supply a UK address history for the last 3 years
- Applications from students (unless employed at least 16 hours per week), unemployed and single house persons will not be considered.
Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
Meeting the criteria does not guarantee acceptance.
Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card.
How do I checkout using instant finance?
When you have decided on the product you want you will be able to select the time period you want and deposit you want to pay – We ask for a minimum deposit of 10%
At the end of the checkout you’ll be taken to either the Klarna Bank AB (publ) or V12 Retail Finance website. This is where your finance application is processed. Assuming your application is accepted you’ll be able to place your deposit and confirm your order right there. The whole process takes about 10 minutes and everything is done securely online. You will also know if the application has been successful in a matter of seconds.
If your finance application is accepted and you pay the deposit, your order will come through to Norwich Camping & Leisure and we will send you the goods.
Please note: we cannot offer a collect in store/’click and collect’ or separate delivery address option for online finance purchases. Purchases made online using instant finance will be delivered to you via our courier service to the address used on the finance application.
I have been approved – what happens next?
Once your finance application has been approved you will be able to sign the agreement using e-signature. Your documents will then be emailed to you straight away.
How do repayments work?
Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don’t start repaying your loan until a month after you have received your order.
What happens if my application is turned down?
Applications may not be accepted for a number of reasons, including miss-typed information or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.
If your application isn’t successful, you can still purchase the item in full via PayPal or with a valid credit or debit card.
If your application is declined, it’s usually for one of the following reasons:
- You do not meet the eligibility criteria;
- Adverse credit reference agency information;
- Your credit score;
- You are considered to be over-committed financially;
- Your existing account performance with other lenders.
If you wish to appeal the decision made by Klarna Bank AB (publ) or V12 Retail Finance, it’s advised you obtain an up-to-date copy of your credit report before appealing directly to the appropriate company – Klarna Bank AB (publ)or V12 Retail Finance Ltd. Due to data protection regulations, all customer appeals must be emailed to either:
Klarna Bank AB (publ): via Chat service at www.klarna.com/uk/customer-service/
V12 Retail Finance Ltd: [email protected]
Cooling-Off Period
You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Norwich Camping & Leisure and pay for the order via an alternative means (i.e. a credit card). Norwich Camping & Leisure will then cancel your credit agreement.
Missing Payments
If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again through us or another source.
Financial Ombudsman Service (FOS)
The FOS is a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services. They resolve disputes fairly and impartially, and have the power to put things right. For information on your rights and their services, visit https://www.financial-ombudsman.org.uk/
