Credit is provided by Novuna Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority. Credit is subject to status and affordability, and is available on orders over £1,500. Minimum 10% deposit required to order.
Dreamspas Limited of Willis House, Flowers Hill, Bristol, England, BS4 5JJ registered in England and Wales, Reg. no: 10169632, VAT no: 240512746 trading as Dreamspas are authorised and regulated by the Financial Conduct Authority FRN: 824927. We are a credit broker not a lender.
Your application will be subject to a credit check using a recognized credit reference agency as part of the assessment process. Credit available subject to status, UK residents aged 18 years and over. For more information please visit: www.novuna.co.uk
| Cash Price | £ 5,555 |
|---|---|
| 10% Deposit | £ 555 |
| Total amount of credit | £ 5,000 |
| Monthly Repayments | £ 416.66 |
| Weekly Repayments | £ 104.17 |
| Representative APR | 0% |
| Total Amount Payable | £ 5,555 |
| Cash Price | £ 5,555 |
|---|---|
| 10% Deposit | £ 555 |
| Total amount of credit | £ 5,000 |
| Monthly Repayments | £ 416.66 |
| Weekly Repayments | £ 104.17 |
| Representative APR | 0% |
| Total Amount Payable | £ 5,555 |
| Cash Price | £ 5,555 |
| 10% Deposit | £ 555 |
| Total amount of credit | £ 5,000 |
| Monthly Repayments | £ 138.88 |
| Weekly Repayments | £ 34.72 |
| Representative APR | 0% |
| Total Amount Payable | £ 5,555 |
Applying for online finance couldn’t be easier or more convenient. When you buy a hot tub from Dreamspas you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Credit is available on orders over £1,500 with a 10% deposit and is subject to status and affordability. Just follow the simple instructions on the form as required and we’ll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details. Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Just select the finance option on the checkout page or let the sales consultant know if you’re buying in our showrooms.
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.
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 over-committed
• You are aged under 18
• Your existing account performance with other lenders
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.
• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be over-committed
• You are aged under 18
• Your existing account performance with other lenders
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.
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;
Phone: 0333 344 8370
Email: info@dreamspas.co.uk
Address: Dreamspas Limited at Willis House, Flower Hill, Bristol, England, BS4 5JJ
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna.
Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can’t reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 0300 123 9 123
E-mail: complaint.info@financial-ombudsman.org.uk
Further details can be found on the Financial Ombudsman Service
website: www.financial-ombudsman.org.uk.
Please see our Complaints Procedure for more information.
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