REFRESH Finance

GBP £

Finance FAQs or Finance Options

When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.

Your questions answered

Here are some of the most commonly asked questions regarding online finance.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the options to either
esign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You
should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement Refresh Sewing will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the 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 finance agreement.
Note that products will not be allocated to your order until your completed and signed agreement is
returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after
your agreement has been returned and received.

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 consistent decisions to be provided, ensuring all applicants are treated fairly.
Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation
of certain application details, existing commitments and information held at the credit reference
agencies. Though Novuna is unable to provide you with a main reason for declining your application,
it is usually based on one, or a combination of the following:
• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcomitted
• You are aged under 18
• Your existing account performance with other lenders

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

Some of the information is public information, for example electoral roll, County Court Judgments
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?
Send a request to the relevant credit reference agency, together with details of all addresses at
which
you have lived over the last 6 years:
• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, 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.

If my application is not successful, can I re-apply?
Yes. We acknowledge that circumstances change and just because a previous application has been
refused, it does not mean that a further request will automatically be turned down. We do suggest
however, that you leave at least 6 months between applications.

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

In order to safeguard against fraudulent applications, we regret that we are able only to deliver goods to the home address of the applicant.

OPTION 1 – Interest free credit, for 6 months with no deposit 0% APR Representative.
FINANCE AVAILABLE IN STORE
Finance is available on all orders between £599 and £999.99. Refresh Sewing can offer you
interest-free finance from Novuna Personal Finance. Finance is available on selected machines
in-store; you could pay with monthly finance. If you would like to apply for finance, please visit us
in-store or contact us on 01568 610044 or refreshsewing@gmail.com so we can talk you through the
available monthly finance plans and process your application in minutes.

Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes
students)
Terms and Conditions
 To qualify you need a loan value between £599 and £999.99
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example
Item Value (Cash Price) £750.00
Total Amount of Credit £750.00
Agreement Duration 6 Months
Annual Rate of Interest 0% P.A Representative APR 0%
APR 6 Monthly Instalments of £125.00
Total Amount Payable £750.00

Credit subject to status and affordability. Terms & Conditions Apply. Refresh Sewing is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,
authorised and regulated by the Financial Conduct Authority. Financial Services Register no.
704348. The register can be accessed through http://www.fca.org.uk

OPTION 2 – Interest free credit, for 12 months with no deposit 0% APR Representative.
FINANCE AVAILABLE IN STORE
Finance is available on all orders between £1000 and £25,000. Refresh Sewing can offer you
interest-free finance from Novuna Personal Finance. Finance is available on selected machines
in-store; you could pay with monthly finance. If you would like to apply for finance, please visit us
in-store or contact us on 01568 610044 or refresh sewing@gmail.com so we can talk you through the
available monthly finance plans and process your application in minutes.

Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes
students)
Terms and Conditions
 To qualify you need a minimum loan value of £1000
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example
Item Value (Cash Price) £1,299.00
Total Amount of Credit £1,299.00
Agreement Duration 12Months
Annual Rate of Interest 0% P .A
Representative APR 0% APR
12 Monthly Instalments of £108.25
Total Amount Payable £1,299.00

OPTION 3 – Interest free credit for 18 months with no deposit 0% APR Representative.
FINANCE AVAILABLE IN STORE
Finance is available on all orders between £2,000 and £25,000. Refresh Sewing can offer you
interest-free finance from Novuna Personal Finance. Finance is available on selected machines
in store; pay with monthly finance instalments. If you would like to apply for finance, please visit
us in-store or contact us on 01568 610044 refreshsewing@gmail.com so we can talk you through the
available monthly finance plans and process your application in minutes.
Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes
students)
Terms and Conditions
 To qualify you need a minimum loan value of £2,000
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example Item Value (Cash Price) £3,499.00
Total Amount of Credit £3,499.00
Agreement Duration 18 Months
Annual Rate of Interest 0% P .A
Representative APR 0% APR
18 Monthly Instalments of £194.38
Total Amount Payable £3,499.00

Option 4 - Interest free credit for 24 months with no deposit 0% APR Representative.
FINANCE AVAILABLE IN STORE
Finance is available on all orders between £6,000 and £25,000. Refresh Sewing can offer you
interest-free finance from Novuna Personal Finance. Finance is available on selected machines
in store; pay with monthly finance instalments. If you would like to apply for finance, please visit
us in-store or contact us on 01568 610044 or refreshsewing@gmail.com so we can talk you through the
available monthly finance plans and process your application in minutes.
Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes students)
Terms and Conditions
 To qualify you need a minimum loan value of £6000
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example Item Value (Cash Price) £8,999.00
Total Amount of Credit £8,999.00
Agreement Duration 24Months
Annual Rate of Interest 0% P .A
Representative APR 0% APR
24 Monthly Instalments of £374.95
Total Amount Payable £8,999.00

Credit subject to status and affordability. Terms & Conditions Apply. Refresh Sewing is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,
authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

OPTION 5 – Buy Now Pay Later 14.9% APR
Representative.
FINANCE AVAILABLE IN STORE
With our Buy Now Pay Later finance option, place your order with Refresh Sewing and pay
nothing for 12 months when you spend over £599. You can then choose to pay the balance in full
by the end of the 12 months with a settlement fee of £29 or alternatively spread the cost and pay
monthly. See the representative example.
Finance is available on all orders between £599 and £25,000. Refresh Sewing can offer you
finance from Novuna Personal Finance. Finance is available on selected machines in store. If
you would like to apply for finance, please visit us in-store or contact us on 01568 610044 or refreshsewing@gmail.com so we can talk you through the available monthly finance plans and process your
application in minutes.
Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes students)
Terms and Conditions
 To qualify you need a minimum loan value of £599
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example
Item Value (Cash Price) £750.00
Total Amount of Credit £750.00
Agreement Duration 48 Months
Deferral Period 12 Months
Annual Rate of Interest 14.90% P.A
Representative APR 14.90% APR 36 Monthly Instalments of £29.10
Total Amount Payable £1047.60
Credit subject to status and affordability. Terms & Conditions Apply. Refresh Sewing is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,
authorised and regulated by the Financial Conduct Authority. Financial Services Register no.
704348. The register can be accessed through http://www.fca.org.uk

OPTION 6 – Interest Bearing Credit 14.9% APR
Representative.
FINANCE AVAILABLE IN STORE
Finance is available on all orders between £599 and £25,000. Refresh Sewing can offer you
finance from Novuna Personal Finance. Finance is available on selected machines in store. If
you would like to apply for finance, please visit us in-store or contact us on 01568 610044 or refreshsewing@gmail.com so we can talk you through the available monthly finance plans and process your
application in minutes.
Who can apply for finance?
 Applicant must be 18 years or over on application date
 In permanent UK residence – a minimum of 3 years
 Retired from regular employment. Minimum age 50
 Not working through disability
 Self-Employed
 In regular, permanent employment working a minimum of 16 hours per week (Includes students)
Terms and Conditions
 To qualify you need a minimum loan value of £599
 ID will be required for application (proof of address & proof of signature)
 Novuna Personal Finance full terms and conditions available on application
 You will need to visit one of our agents to apply.
Representative Example
Item Value (Cash Price) £1670.00
Total Amount of Credit £1670.00
Agreement Duration 24 Months
Annual Rate of Interest 14.90% P.A
Representative APR 14.90%
APR 24 Monthly Instalments of £80.16
Total Amount Payable £1923.84

Credit subject to status and affordability. Terms & Conditions Apply. Refresh Sewing is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,
authorised and regulated by the Financial Conduct Authority. Financial Services Register no.704348. The register can be accessed through http://www.fca.org.uk

Complaints Process

If there's something you're not happy with, we'd like to be informed so we can resolve your issues.

Complaint handling and dispute resolution process

Please contact us as soon as possible.

You can contact our Customer Service Team who are here to help and they will try to provide a suitable solution.

Upon receipt of your complaint, we will contact you in 3 working days to resolve your issue.

Our customer Service Team will ask you to provide any relevant information which helps us identify the issue you have with your product.

Online – refreshsewing@gmail.com

Post – Unit 2 Burnside Court, Brunel Road, Leominster, HR6 0LX

Escalating the complaint

If you're not happy with the resolution of the complaint, please speak to the person handling your complaint and they will discuss and explain the reasons for the resolution reached.

If you wish for your complaint to receive further review, please email us or contact us in writing at the address above.

If you are still unhappy after further escalation and your item has been ordered via Novuna Personal Finance you can also contact Novuna directly to discuss the matter further.

VAT Number: 189270374