Interest Free Finance Agreement
Interest Free Finance Agreement
Will I be accepted for finance?
Whether your accepted for finance or not depends on many different factors. At Duologi we have a dedicated credit team who use our bespoke credit engine to help them reach decisions.
What do I do if I have been declined?
If your application was declined, we will not give you the specific reason/s why. We advise that you obtain a copy of your credit report so you can see the potential reasons. If you feel that there has been a mistake, please feel free to contact Duologi Finance via email at firstname.lastname@example.org or call us on 0345 5211 881 Option 2.
I want to amend my order.
If you have been approved for finance, we cannot amend the amount or term. You will need to contact the business that you purchased the goods or services from to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved. All credit applications will leave a credit “footprint” on your credit history.
I have a question about my finance agreement who should I contact?
Please contact our customer service team on 0345 5211 666 or via email at email@example.com
I haven’t received my goods.
Please contact Kids Quads on 01223 398899 opt 1. We will be able to help you.
I want to change my direct debit details.
Changing your payment date can only be done after the first payment has been taken. Please contact our customer service team on 0345 5211 666 or via email at firstname.lastname@example.org
I want to update my personal details.
Please contact our after-sales support team on 0345 5211 666 or via email at email@example.com
What is a credit search?
A credit search occurs when a third party investigates your credit report. They’re looking to see how you manage your credit now, and how you’ve managed it in the past. This search may then be recorded on your credit report for other third parties to see. This is useful to lenders because if you’ve made multiple applications for credit recently, it could suggest to them that you have an urgent need for credit which you may struggle to pay back.
When will I receive a copy of my loan agreement?
A Duologi Welcome Pack is emailed to the email address you entered in your application. Your welcome pack, which contains your loan agreement along with all the regulatory paperwork is sent within 7-10 days of the goods or services being delivered by your retailer. If you require a copy of your documents sooner you can contact our support team on 0345 5211 881 Option 2 or email firstname.lastname@example.org who will be more than happy to help.
I want to return my goods and cancel my finance agreement.
To enable us to cancel your agreement, we will need you to contact the original retailer and arrange to return your purchase or cancel the services they’re providing. Once they have confirmed cancellation, they will advise us to close your agreement and refund any payments that have been made. You will need to contact your retailer to obtain a refund for any deposit paid.
Requirements & Tips
Often an applicantion is declined not because of your credit history or anything you’ve done but because of a few simple errors.
First off it’s really important that your full name is input. MAKE SURE you put the name on their passport. Not Jim instead of James or Bob instead of Robert!
Then you need to make sure that you meet every one of the following criteria:
- Min age 18, Max age 75 at the end of the term
- Be a permanent UK resident, with minimum 3-year address history
- Make sure you are not using a VPN if applying online.
- In regular permanent employment, minimum 16 hours with minimum annual income £10,000
- Exclusions: Unemployed/ Students/Non-UK Residents
- Finance must be applied for in the name of the individual that is taking the goods or services.
- All details entered during the application process must be personal to the applicant. E.g. personal email address and mobile number.
- If your application has declined contact Customer Support to check if the application is a genuine decline or if the applicant can re-apply.
- Double check your details against your government issued ID i.e. Full name and House/Flat number and postcode.
- Ensure gross annual income is entered for the sole applicant, not weekly/monthly or household income
If you would like to discuss the reasons for the declined agreement, please contact Duologi Customer Service on 0345 5211 666 to discuss further