Terms & Conditions
This site is owned and operated by Afibel SAS ("we" or "us"). Registered office: 129 rue Colbert, 59493 Villeneuve d'Ascq, France. France registration N°314 360 041 RCS Lille. VAT No: 805385822. If you have any complaints or queries about this website (the "website"), please send us an e-mail to email@example.com or write to us at Afibel, P.O. Box 341, Farnborough, GU14 0ZQ.
1. Our agreement
An agreement for us to sell you the goods is made on the basis of these terms and conditions ("terms and conditions") when we accept your order.
2. Placing an order
2.1 Payment online by bank card Select your type of card (VISA, MasterCard), enter your card number, its expiry date and the three figures on the back of your card, then validate your data. In order to provide the most reliable and secure service, we have chosen the payment system by Sogenactif. You are redirected to a secure page by sogenactif and the data you enter is encrypted (SSL encrypting) so you can move around in safety and confidentiality. No payment data is stored on our site. Your payment request is sent in real time via the secure payment system sogenactif. The bank makes sure that your bank card is valid (no data errors, no opposition) and confirms the registering of your payment by issuing an electronic certificate with the transaction number or advises you that the transaction has been refused. Your account is debited of the amount of the goods and the lumpsum contribution to the carriage and packaging costs on the date of shipment of your items. In the event of an item being delayed, only the items actually dispatched are debited from your account.
2.2 The order is accepted at our sole discretion but orders are normally accepted if the goods are available, the order reflects the current pricing, you are based in a country to which we are currently able to sell and your credit or account card is authorised for the transaction.
2.3 We store the contract's content and will send you the details of your order as well as our general terms via e-mail. You can find the terms here at all times. The details about your recent orders can be found in your customer login.
3. Confirmation of the order
A confirmation of your order will be sent to you by e-mail. This e-mail will provide you with an electronic receipt of your transaction, which you might like to file for future reference.
Our updated terms & conditions of sale are always available on our website. The details about your recent orders can be found when you log in to My Account.
4.1 The description of the goods, price and currency are set out on the order page.
4.2 Prices include VAT. An additional charge of £3.00 is made to cover carriage, packing and insurance.
5.1 Payment does not take place until we have accepted the order.
5.2 You can pay in 2 different ways, by credit/debit card or buy now pay later with your Personal Account
You can read the full terms and conditions by clicking here
6. Security of payments
In order to ensure security of payment, the website uses the secured payment service. This service includes SSL security services. Confidential data (including card numbers and expiry dates) are transmitted encrypted to the bank server and are not transmitted to the website server.
7. Despatch and delivery
7.1 We shall arrange for the goods to be delivered to the address you specify for delivery, or if none, to the credit card address you supply. It is important that these addresses supplied by you to us are accurate.
7.2 When items are in stock, you should receive them within seven to ten working days after we receive your order. However, please allow fifteen working days to cover any delays within the carrier system.
7.3 If an item is out of stock for any reason, we will let you know as soon as possible.
7.4 If you have any delivery queries, please call our Customer Service team on 0330 123 1293
8.1 You will only own the goods once they have been successfully delivered and we have received cleared payment for them in full. Until then, we will retain title to the goods.
8.2 Goods supplied are not for resale.
9. Access to the website and content
9.1 We are continually improving our goods, so specifications or design changes may be made at any time. We shall endeavour to keep the website up to date but information and specifications given are for your information only and are subject to change without notice.
9.2 We try to ensure that pictures of the goods on the website are as accurate as possible but there are technical limitations and slight variations in colour and texture between the pictures and the goods themselves must be expected.
9.3 We will endeavour to allow uninterrupted access to the website, but access may be suspended, restricted or terminated at any time.
10. Scope of the website
The content of the website is directed solely at those who access the site from the United Kingdom. We make no representation or warranty that any goods referred to in the website are available or are otherwise suitable for use outside the United Kingdom.
We warrant that the goods shall meet their specification and shall be free from defects in materials and workmanship at the time of delivery, provided that the instructions governing use of the goods have been followed.
12.1 If you have a valid claim in respect of any of the goods, which is based on any defect in the quality or condition of the goods or their failure to meet specification in accordance with this agreement, we shall be entitled to replace the goods (or the faulty part in question) free of charge or, at our sole discretion, refund you the price of the goods (or a proportionate part of the price).
12.2 We will take all reasonable care to keep your order secure, but in the absence of our sole negligence, we cannot be held liable for any loss you may suffer if a third party obtains unauthorised access to any data (including credit and account details) you provide when accessing or ordering from the website.
12.3 We shall not be liable to you in connection with this agreement in contract, tort (including negligence) or otherwise for any loss of profit, anticipated savings or data (in each case whether direct or indirect) or any indirect loss.
12.4 Our aggregate liability to you in connection with this agreement shall not exceed the value of the goods ordered by you.
12.5 Notwithstanding anything else in these terms and conditions, we accept unlimited liability in respect of death or personal injury caused by our negligence.
13. Matters outside our control
We shall not be liable to you or in breach of this agreement for delay or failure to perform if the delay or failure is due to a cause beyond our reasonable control.
14. E-mail address
E-mails to you shall be sent to the address you specify. It is important that you give us an accurate and valid e-mail address and inform us of any changes.
15.1 If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion.
15.2 If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.
16. Intellectual property
16.1 The copyright for the material contained on the website, together with the website design, text and graphics and their selection and arrangement and all software compilations, underlying source code and software (including applets) belongs to [us], [our] subsidiaries or the providers of such information. All rights reserved. None of this material may be reproduced or redistributed without our written permission.
16.2 Afibel is a trademark of Afibel. Other product names and companies (if any) mentioned on this website may be the trademarks or registered trademarks of their respective owners.
17. Return and exchange
17.1 We hope you will love everything you buy from us. However, should you find any item unsuitable, you can return it to us.
17.2 We will be happy to exchange it for an alternative item or refund the purchase price.
17.3 To return an item, complete the returns slip on the dispatch note sent with your order, safely re-pack the items, address the returns parcel to Afibel, P.O. Box 341, Farnborough, GU14 OZQ.
17.4 All returned items must be sent back unused, in their original packaging and within 14 days of receipt (the "returned goods").
17.5 Where appropriate, the purchase price will be refunded within 7 days of the receipt of the returned goods.
17.6 This does not affect your statutory rights, if appropriate, as a consumer.
You can cancel any items ordered within 14 days from the day you receive your goods. If you wish to exercise your statutory right to cancel, you must notify us in writing within the statutory period. If you cancel within the statutory period you may claim a refund of any sum you have paid for the goods. You should return the goods to u in their original packaging, wherever possible, as soon as possible after informing us of your wish to cancel. To qualify for a refund of the standard postage and packing charge you must return the full order including any free gift(s) to us within 14 days.
19. Data protection and privacy
19.1 We comply with all applicable data protection laws in the UK.
Afibel is committed to delivering the highest possible standards of service. Occasionally, despite our best efforts, things do go wrong. Please let us know when this happens and we will do our best to put them right straight away.
We aim to delight customers with our response to issues they may have and all complaints are logged, investigated and replied to. In the unlikely event that we can’t resolve things immediately, we will confirm receipt of your complaint within 5 working days and in most cases resolve it within 2 weeks.
- Call us on our customer service number
- Write to: Afibel Customer Service, P.O. Box 341, Farnborough, GU14 0ZQ
- Email: firstname.lastname@example.org
Financial complaints related to our consumer credit offer, if not resolved within 8 weeks, may be referred in writing to the Financial Ombudsman Service.
If there’s a problem with an existing order, you can call us on 0330 123 1293
21. Governing law
21.1 The terms and conditions shall be governed by and construed in accordance with English law.
21.2 Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which both parties submit.
22. Afibel personal account information
The Afibel Personal Account allows you to purchase items from Afibel catalogues on credit up to your credit limit as advised by us. After a maximum of 28 days home approval you then have a choice to pay for the items in full or to pay by instalments. If at any time during the life of your Afibel Personal Account you do not clear the full balance outstanding you will enter into a regulated consumer credit agreement.
The following sets out important information about if you decide to enter into a regulated consumer credit agreement. Please read this carefully along with the other information provided to decide whether this credit is suitable for you.
Paying on credit terms will require you to pay interest and therefore increase the overall cost of the goods that you buy. Please ensure that you will be able to afford the repayments. Your credit limit will be set based a customer.
Each four week period you will be sent a statement which will include your total balance. You must pay the minimum amount due by the date specified on your statement to avoid going into arrears.
The minimum payment will be 1/20th of the value of the goods you have bought subject to a £5 minimum or the outstanding balance if it is less than £5. You are charged interest at 2.5% on the balance you owe from the previous statement date (subject to a minimum 50 pence charge) unless you pay the balance in full.
The sooner you are able to pay off your balance, the less interest you will have to pay.
Representative Example: total amount of credit £400, cash price of goods £400, amount of advance payment £Nil, the interest rate is 2.5% per four week statement period, equating to 32.5% per annum (variable) charged on the previous outstanding balance, Representative 34.2% APR (variable). Total amount repayable £504.50
If you only pay off the minimum payment due on each statement your purchase will cost you more; for example, if you buy goods to the value of £100 and make the minimum payment every four weeks you will repay twenty instalments over eighty weeks totalling £126.50 and the total charge for credit will be interest of £26.50
If you don’t make a payment by the due date shown on your statement or if you pay less than the minimum amount requested, this will result in the total cost of your debt growing due to the addition of interest and default charges. We may charge you:
- an administration charge of up to £12 for any missed, returned or incomplete payments and
- any reasonable costs and expenses we may incur in the instruction or involvement of third parties for: tracing you or debt collection.
Late or missed payments can increase the cost of your credit, impair your credit rating, making it more difficult and/or expensive for you to obtain credit in the future.
You have the right to withdraw from this credit agreement before the end of 14 days beginning with the day after the day on which the agreement is made, or if information is provided after the agreements made, the day on which you receive a copy of the executed agreement under sections 61A or 63 of the Consumer Credit Act 1974, the day on which you receive the information required in Section 61A(3) of that Act or the day on which you are notified of the credit limit, the first time it is provided, whichever is the latest. You can exercise this right by contacting us as detailed below. If you withdraw you must pay for the value of the goods you have kept within 30 days of the date of the withdrawal.
You may close your Afibel Personal Account at any time by paying off any sums that are outstanding on your account and notifying us in writing using the contact details below.
If you have a query about your personal account such as a payment or return which is not showing on your statement, or to change any personal account details please contact us by phone on 0330 123 2451 by e mail to email@example.com or in writing to: Afibel, PO Box 341, Farnborough, GU14 0ZQ.
Pre-contrat credit information (Standard European Consumer Credit Information - SECCI)
22.1 Contact details
|Address||PO Box 341, Farnborough, GU14 0ZQ.|
|Telephone number||For orders: 0871 200 2231 (calls cost 12p per minute plus your telephone company’s network access charge). For queries about this information: 0330 1234084|
22.2 Key features of the credit product
|The type of credit||Running Account Credit Agreement regulated by the Consumer Credit Act 1974.|
|The total amount of credit This means the credit limit.||We will determine from time to time how much credit you may have under this agreement, and will notify you of that amount on a statement or other communication.|
|How and when credit would be provided.||Credit will be provided at the conclusion of the approval period (of which you will be advised) unless either payment is made in full or the goods are returned to us.|
|The duration of the credit agreement.||The agreement has no fixed or minimum duration.|
|Repayments||Each four week period you must repay the minimum payment shown on your statement within 14 days. This is calculated as 1/20th of your outstanding balance or £5.00, whichever is the greater amount, unless the balance is less than £5.|
|The total amount you will have to pay
This means the amount you have borrowed plus interest and any costs.
|The total amount payable is the sum of the amount borrowed plus the total charge for credit.
The total charge for credit comprises interest only charged at 2.5% of the opening balance outstanding every four weeks or 50 pence, whichever is the greater. Based on an example of taking credit of £100 and paying the minimum repayments for the term, the total charge for credit is £26.50 and the total repayable £126.50.
22.3 Costs of the credit
|The rates of interest which apply to the credit.||The rate of interest is 2.5% of the total opening balance outstanding on the account every four weeks subject to a minimum charge of 50 pence.|
|Annual Percentage Rate of Charge (APR). This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers.||34.2%. The assumptions underlying this calculation are that the credit limit £400 and to be drawn down immediately and in full and repaid over a one year period in equal monthly instalments commencing four weeks after the date of initial drawdown along with interest as provided for in this agreement.|
|Charges for using a specific payment method||If you choose to make repayments to your Afibel personal account at the Post Office their standard fees will be payable.|
|Costs in the case of late payments||We reserve the right to charge you (i) an administration charge of up to £12 in respect of each missed, returned or incomplete payment due; (ii) any reasonable expenses and costs that we may incur in the instruction or involvement of third parties for tracing you or debt collection.|
|Consequences of missing payments||Missing payments could have severe consequence, including increasing the cost of your credit,
impairing your credit rating which may make obtaining credit in the future more difficult and/or expensive for you (if your default is referred to credit reference agencies).
22.4 Other important legal aspects
|Right of withdrawal||You have the right to withdraw from this credit agreement before the end of 14 days beginning on the day after the day on which the agreement is made, or if information is provided after the agreement
is made, the day on which you receive a copy of the executed agreement under sections 61A or 63 of the Consumer Credit Act 1974, the day on which you receive the information required in section 61A(3) of that Act or the day on which you are notified of the credit limit, the first time it is provided, whichever is the latest.
|Early Repayment||You have the right to repay early in full or in part.|
|Consultation with a Credit Reference Agency||If we decide not to proceed with your credit application on the basis of information from a credit reference agency, when informing you of the decision, we will inform you that it has been reached on the basis of information from a credit reference agency and the particulars of that agency.|
|Right to a draft credit agreement||You have the right to request a copy of the draft credit agreement free of charge.|
|The period of time during which the creditor is bound by the pre-contractual information||This information is valid for a period of 30 days from the day we send it to you.|
22.5 Additional information in the case of distance marketing of financial services
|(a) concerning the creditor||
|Registration number||Afibel is a trading name of Damartex UK Limited which is a company registered in England and Wales under company number 00852773.|
|The supervisory authority||We are authorised and regulated by the Financial Conduct Authority of 25 The North Colonnade, Canary Wharf, and London, E14 5HS to provide consumer credit Firm Reference Number 702607 .|
|(b) concerning the credit agreement||
|The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement||English law (or the law of Scotland or Northern Ireland if you reside there).|
|The law applicable to the credit agreement and/or the competent court||The laws of England and Wales govern this credit agreement unless you reside in Scotland or Northern Ireland in which case local law will apply and the local courts will have jurisdiction.|
|Language to be used in connection with your agreement||The contractual terms and conditions and prior information are in English. The creditor undertakes with the debtor’s agreement, to communicate with the debtor in English for the duration of the credit agreement.|
|(c) Concerning redress||
|Access to out-of-court complaint and redress mechanism||If you have a complaint and feel that we haven’t resolved it to your satisfaction, you may refer the matter to the Financial Ombudsman Service, for independent investigation after having first raised your complaint with us. If, after 8 weeks we have still not resolved your complaint, you have the right
to complain to the Financial Ombudsman Service.
22.6 Terms and conditions of the credit agreement
1. By entering in to the credit agreement with Afibel you agree that:
1.1 You accept these terms and conditions.
1.2 You have been provided with a full copy of this agreement for consideration before signing together with a copy of the Adequate Explanations and Standard European Consumer Credit Information (SECCI)
1.3 You are over 18 years of age.
1.4 The details you have given are true and complete.
1.5 You will inform us as soon as possible of any change in your personal details such as name and home address.
1.6 Your signature to this agreement acknowledges receipt of a true copy.
1.7 All sums owed under the agreement shall become due and payable immediately if:
- 1.7.1 We believe you have provided us with any false information when you entered into this agreement.
- 1.7.2 A statutory demand is served on you, or any other steps are taken by you or any other person, to make you bankrupt.
- 1.7.3 You commit an act of bankruptcy (e.g. failing to pay a debt pursuant to a court order).
2. How your account works
2.1 Once you have opened your Afibel personal account and signed the credit agreement, you can use your account to order at any time and spread your payments for up to 20 months.
Here is how it works:-
- 2.1.1 Complete your order form and tick the personal account box. If ordering by phone, call 0330 123 2451 and tell our orderline advisor it is a personal account order or visit us at www.afibel.co.uk.
- 2.1.2 Full payment details are shown on every Afibel order form, including postage and packaging charges.
- 2.1.3 We normally send you a statement every 4 weeks showing your orders, balances, payments, minimum payment required and payment due date.
- 2.1.4 You can then choose to pay in full, or by regular 4 weekly instalments. You can pay your account by debit or credit card, cheque and postal order. Alternatively, you can pay by cash at the Post Office (fee will be payable).
- 2.1.5 We reserve the right to vary the duration, interest charge and the minimum payment. We may do this if for example our costs, including the costs of borrowing, increase. Should this be necessary we will give you at least 28 days notice.
- 2.1.6 To calculate your approximate repayment, simply divide the cash price of any item by 20, e.g. goods costing £100 could be paid for in 20 instalments of £5 plus service charges. If you repay more than the minimum payment the service charge will be reduced accordingly (written quotations are available on request).
3. Customer service and complaints procedure
3.1 Afibel is committed to delivering the highest possible standards of service. If you have a complaint relating to the operation of your Afibel personal account please do so by contacting us by any of the following methods:
- by phoning us on 0330 123 4084
- by going to our website www.afibel.com/uk and using the “Send us an e-mail” link
- by contacting us at the address as detailed in section 4.2.
- We will ensure that your issue is dealt with in line with our credit complaints policy.
3.2 We will:
- 3.2.1 Give your complaint immediate attention.
- 3.2.2 Aim to resolve complaints fully the first time you contact us. If we cannot do this, we will let you know why and keep you up to date with progress until it is fully resolved.
3.3 If you are not satisfied with our suggested resolution or if eight weeks have passed since you first brought your complaint to our attention, you have the right to refer your complaint to the Financial Ombudsman Service. If you want the Financial Ombudsman Service to look into your complaint, you must contact them within six months of the date of any final response issued by us. You can write to them at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
3.4 Alternatively you can phone 0300 123 9123. Further helpful information can be obtained from visiting the Financial Ombudsman Service website at: www.financial-ombudsman.org.uk
4. Data protection
4.1 The personal information we collect about you is used by us to verify your identity, undertake credit assessments to inform our lending decisions, manage your account and to make collections. It is also used to contact you for marketing purposes.
4.2 We may share information about you and the conduct of your account with credit reference agencies (see 4.3 below) and with fraud prevention agencies. We may also share your information with relevant third parties including businesses within the same group as Afibel and (with your express consent) any other third parties who offer products or services in which we think you may be interested. If you do not wish us to contact you or you wish to revoke any consent you may contact us at any time either by writing to The Data Protection Manager at Afibel, PO Box 341, Farnborough, GU14 0ZQ or via our website at www.afibel.com/uk.
4.3 We will use credit reference agencies to help us make lending decisions. We may also disclose to credit reference agencies the details of your agreement, payments made and any default, suspicion of fraud or failure to maintain the terms of the agreement. For full written details of which credit reference agencies we use and their contact details, please contact us using the contact details the agencies below (they may charge you a small statutory fee).
4.4 We will disclose your personal data when legally required to do so, for example at the request of government authorities conducting an investigation. We will also use it to verify or enforce compliance with our policies, for example governing our web site and applicable laws or to protect against misuse or unauthorised use of our web site.
4.5 If we transfer, change or assign this agreement to a third party or if we use a third party to manage any aspect of this agreement, we will pass your information to them. Your data may be used for other purposes for which you give your specific permission.
4.6 Your data remains on file for 6 years after your account is closed whether settled by you or in default.
5.1 We may transfer all or any of our rights under this agreement.
5.2 This agreement is governed by English Law. This agreement is in English and all communications regarding it shall be conducted in English.
5.3 Afibel is a trading name of Damartex UK Limited which is authorised and regulated by the Financial Conduct Authority to provide Consumer Credit under these names Firms Reference Number 702607.
5.4 Afibel is a responsible lender and will monitor your individual payment performance on an ongoing basis. If we consider that you are experiencing repayment problems such that it would be irresponsible to offer you further credit we may decline to do so.
5.5 We reserve the right to refuse or restrict credit orders.