If I have been declined credit, what happens to my order?
If for any reason your credit application is declined, your order is automatically cancelled. You will be redirected to the retailer’s website to complete your purchase another way.
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Why has my credit application been declined?
We are unable to provide information regarding your credit decision. If you’d like more information regarding your credit file, you can contact TransUnion (credit reference agency). To find out more information about TransUnion please visit transunion.co.uk.
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How do you reach your credit decisions?
As a responsible lender we aim to ensure that you get the right decision based on your financial circumstances and your affordability. When you apply for interest free credit, we perform credit searches to check your financial status. The final credit decision is based on your financial circumstances and creditworthiness.
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Do I need to make a payment to complete the order?
Yes. Your first instalment is always required to place an order. Subject to status, you may be required to pay a deposit alongside your first monthly instalment. This will reduce your monthly payments accordingly.
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Are there any interest charges or fees to pay?
If you've taken out an interest bearing finance plan, you will only be charged interest as per your credit agreement with us. If you've taken out an interest free finance plan, there is no APR. We will not charge you any hidden or late payment fees, or additional interest to your account in the event of missed payments. This is explained in your credit agreement before you electronically sign at checkout.
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Will I be required to have a ‘hard’/full credit search to place an order?
Yes. DivideBuy uses a third-party credit reference agency, TransUnion, to perform a full credit check when completing an application. This is known as a hard search and will leave a footprint on your credit file and is visible to other lenders. This could impact your credit score. We recommend that you use our Eligibility Checker tool before applying, which will run a soft credit check and give you an indication of whether you may be eligible for the amount you wish to borrow.
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What information is required to perform an eligibility check?
To perform an eligibility check, we need a valid email address, name, date of birth, annual income and billing address.
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Will my credit score be affected by an eligibility check?
When you complete a soft credit check with our Eligibility Checker, this will show on your credit file. However, this will not affect your credit score and will not be visible to other lenders.
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Completing an Order
What if the application states that I already have an account?
This means that your information may be partially linked to another DivideBuy account and cannot be duplicated for a new account/application. If you are aware of an alternative email address, please attempt to reset your password and PIN here or contact our team via live chat here.
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Why am I receiving a message that my address is incorrect?
The most common reasons for this error message are that the card is not being authorised by your bank or your address details do not match. Please ensure that your address is entered exactly as it appears on your bank statement, and that the card information is entered correctly. If the problem persists, please contact your card issuer. If this does not resolve your query, please contact us on live chat here.
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How is the deposit used?
The deposit is paid alongside your first monthly instalment to secure your purchase. This will reduce your monthly payments accordingly.
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Why have I been requested to pay a deposit?
Subject to your credit check status, you may be required to pay a deposit alongside your first monthly instalment. This will reduce your monthly payments accordingly.
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Why am I not receiving the verification code?
Please check the number you have entered is correct, your mobile phone has a signal and that your provider is not experiencing any outages. If these are not an issue, this phone number may have been used previously. If you have access to another number, please re-attempt using this. If not, please contact our team via live chat here.
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Can you resend my verification code?
We are unable to resend verification messages. We would recommend checking the mobile number you have entered and the signal on your device.
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Why does my order say ‘Order already exists’?
You may have a partially completed order that is stopping you placing a second order.
You can log in to your DivideBuy account here to check. You will find any partially completed orders under the ‘Your Orders’ section. Please select the correct one and continue with the order.
If, you have no orders within this section please move to the ‘Search our Retailers’ section within your account. Search for your retail partner and follow the link to make a purchase. If this does not resolve the issue, please contact us on live chat here.
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I want to use a different address for delivery rather than my billing address. How can I do this?
Due to fraud prevention measures, we don't currently offer this option. However, if you are due to move home and would like your goods delivered to your new address, please follow the steps below:
1. Complete your order using your current address.
2. When your order has been confirmed, please contact our Customer Service team via our live chat here.
3. Our team will contact the relevant merchant partner and pause your delivery.
4. When you have access to your new address, please amend your address details with your bank and send proof of this (in the form of a bank statement) to [email protected]. Please include the following:
- Full name
- Date of birth
- Previous postcode
- The details of your new address including postcode
5. On receipt of this email, we will confirm that your details have been updated and will inform the merchant.
6. The merchant will contact you separately to arrange delivery.
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Orders & Delivery
How do I reinstate a cancelled order?
We are unable to reinstate a cancelled order. All you need to do is place the order again. Don’t worry - if you are placing your new order within 30 days of the cancelled one and your details remain the same, we will not perform another credit check.
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What if I have a problem with my order?
As the interest free credit provider, we are unable to advise on stock, dispatch, or delivery. Please contact the merchant partner you have purchased from.
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What if my order hasn’t arrived?
As the interest free credit provider, we are unable to advise on the delivery of goods and services. Please contact the merchant partner you have purchased from, ensuring that you allow for the merchant's specified delivery timeframe before contacting them.
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Can I change my delivery address?
To change your delivery address, we will require proof of your new address. Proof can be in the form of a bank statement, council tax statement, or utility bill (dated within the last 3 months). We ask for these as a fraud prevention measure to ensure that items are being delivered to the correct individual. For this reason, we can only authorise delivery to the named individual on the credit agreement. Please forward a copy of one of the specified documents to[email protected] with your new address details. Please include the following:
Full name
Date of birth
Previous postcode
The details of your new address including postcode.
On the receipt of the email, we will confirm that your details have been updated.
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Can I delay the delivery date?
As the interest free credit provider, we are unable to advise on the delivery of goods and services. Please contact the merchant partner you have purchased from with any delivery queries.
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When will my order be delivered?
As the interest free credit provider, we are unable to advise on the delivery of goods and services. Please contact the merchant partner you have purchased from with any delivery queries.
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Your DivideBuy Account
How many live orders can I have on my account at once?
The value and quantity of the orders you can place is dependent on several factors. As a responsible lender we aim to ensure that you get the right credit decision based on your circumstances. When you apply for interest free credit, we perform different searches to check your financial status.
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Can I change my instalment/payment date?
Yes. Every customer has a 28-day window on either side of their original payment date that their installment date can be moved to. Please note: this can't be changed whilst there is a missed payment on your account. Log in to your account here and under the section ‘Your Account’ edit your payment date by selecting ‘Change’ on the correct order. If you need to change your payment date outside of the 28 days, please contact us on live chat here.
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How do I view & download my credit agreement?
You can log in to your account here . Select ‘Your Account, then under ‘View Credit Agreement’ click ‘View’.
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How can I update my contact number?
Please log in to your customer account here. Under the ‘Your Details' section you can edit and verify your new mobile telephone number. Alternatively, please contact our team on live chat here.
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How do I update my billing address?
If you do not have a live order, please log in to your customer account here. Under section ‘Your Details', you will have the option to edit your address and save the details for future orders.
If you have a live order, please email our team at [email protected] with your new address details. Please include the following:
Full name
Date of birth
Previous postcode
The details of your new address including postcode.
If you have paid less than 2 instalments, please have proof of your new address available. We accept bank statements, council tax statements or utility bills (dated within the last 3 months).
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I have forgotten my password and my PIN
You can reset your PIN and password here. You will see ‘Forgotten Password and PIN’ below the login box. Enter your email address, and we will check to see if this is associated to an account, if so, we will send you a reset link.
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I have forgotten my password
It’s easy to reset your password here. The option to reset your password and PIN number is below the login box. Select the relevant option and enter your email and your 4 digit PIN. This will send a verification code to the phone number associated with your account.
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I have forgotten my PIN
You can easily reset your PIN here. The option to reset your PIN number is below the login box. Simply your email address and password, and this will send a verification code to the mobile phone number associated with your account.
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Payments
How can I contact you if I am experiencing financial difficulty?
We understand that circumstances change, and that life can be unpredictable. If you’re worried about making a payment or if you need some extra flexibility, please contact our team on live chat here.
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Are there any other charges or fees?
If you've taken out an interest bearing finance plan, you will only be charged interest as per your credit agreement with us. If you've taken out an interest free finance plan, there is no APR. We will not charge you any hidden or late payment fees, or additional interest to your account in the event of missed payments. This is explained in your credit agreement before you electronically sign at checkout.
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Will I be charged if I miss a payment?
We are an ethical lender and will not charge you any fees or additional interest to your account if you miss a payment. Please see your credit agreement for further information. If you have any concerns about making a payment, please contact us for support on live chat here. Please note: while we don't charge late or additional fees, a missed payment may affect your credit file, so please speak to us if you have any concerns.
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What happens if I forget to make a payment?
Payments are collected automatically from your nominated payment card on the day payment is due using a Continuous Payment Authority. If for any reason we are unable to take payment on the due date, we will contact you by both email and text message to advise that our payment attempt has failed.
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How will I be reminded when to pay?
You will be notified via text message before your monthly instalment is due. This text includes the date when your payment is due. You will also receive an email before the payment is collected. If we have any issues collecting a payment you will also be contacted via text message and email.
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Why does my deposit not show on my payment schedule?
The deposit is paid alongside your first monthly instalment to secure your purchase. This would be reflected in your remaining monthly instalments.
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What is my outstanding balance?
You can log in to your account here. Under the section ‘Your Account’ you can view the ‘Remaining Amount’ of any live orders, along with your next payment date and your credit agreement.
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Why does my card say it’s invalid?
The most common reasons for this error message are that the card is not being authorised by your bank or your address details do not match. Please ensure that your address is entered exactly as it appears on your bank statement, and that the card information is entered correctly. If the problem persists, please contact your card issuer. If this does not resolve your query, please contact us on live chat here.
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Refund & Returns
I want to cancel my order, but the merchant hasn’t responded.
If you have contacted the merchant partner directly to cancel your order and have not received confirmation of your refund within 14 working days, please contact us on live chat here.
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Can I cancel my order?
To cancel your order, please contact the merchant partner from whom you made the purchase directly. If you have already received your order, you’ll need to arrange for it to be returned using the merchant partner's returns process. They will in turn contact us to confirm your order has been returned. Once we hear from them, we'll issue your refund and cancel your credit agreement.
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How will I know once my refund has been processed?
We require confirmation of your refund directly from the merchant partner you ordered with. Once this has been received, our accounts team will process your refund and notify you via email when it’s completed. This can take between 10 and 14 working days to process. Upon receipt of the notification email, it usually takes 3-5 working days to reach your bank account (depending on who you bank with). If we have not received confirmation of your refund, you will need to contact the merchant partner directly to advise them of this.
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Where do I send products that I wish to return?
The merchant partner you made your purchase with can provide you with the details regarding the return address of your purchase.
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What is your returns policy?
Please follow the returns policy of the merchant from whom you purchased your order in order to receive a refund.
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Your Data
How secure is my data & what kind of encryption do you use for web payments?
We combine Secure Socket Layer (SSL) technology with advanced address and bank checks to provide all our customers with peace of mind, as well as helping to combat fraud. SSL is the most widely deployed security protocol used. To see our trusted SSL certificate, click the padlock in your web address bar. In addition, all online payments are safely processed using a PCI compliant gateway and we never store card details in full.
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Does your website use cookies? What kind of cookies?
We may collect certain technical details about the device you use to access our website. A cookie is a small file which asks permission to be stored on your internet browsing device when you visit our website. Our policy which explains Cookies can be found here.
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How does the Credit Reference Agencies (CRA) use my data?
The identities of the CRAs, and the ways in which they use and share personal data, are explained in more detail at https://www.transunion.co.uk/crain
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How do I get more information on my credit decision/credit score?
We are unable to provide information regarding the credit decision. To find out more information please go to transunion.co.uk.
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I’ve paid my account off. Can I cancel my account?
Once your account is paid off in full, the credit agreement will end. We cannot close your account fully as we need to retain a record in case you have any queries in the future, including the credit search on your file. The account will remain as ‘Inactive’ unless you choose to place another order. Further details can be found in our Privacy policy.
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How long does DivideBuy hold my credit score?
If you are placing a new order within 90 days of a previous one and your details remain the same, we will not perform another credit check. Further details can be found in our Privacy policy.
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How can I access my personal data with you?
If you’d like a copy of your conversations with us, you’ll need to make a ‘Data Subject Access Request’ in writing via email at [email protected], verbally or via our live chat. Further details can be found in our Privacy policy. You have the right to find out what personal information we hold about you. In some circumstances, you can ask us to send an electronic copy of the personal information you have provided to us, either to you or to another organisation. If you have any questions about our Privacy policy., please contact us by writing to us at our registered address given above, emailing us at [email protected].uk or using our live chat here
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Do you transfer your data overseas?
We sometimes use third parties located in other countries to support our services. These services will be carried out by experienced and reputable organisations which safeguard the security of your information. Further details can be found in our Privacy policy.
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Contact Us
I am dissatisfied with the service. How do I make a complaint?
If your complaint is regarding the item that you've purchased, please follow the complaint process for the merchant with whom you made the purchase. If your complaint is specifically about DivideBuy and our credit solution, please read our complaints handling procedure here.
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How can I contact you if I am experiencing financial difficulty?
With the rising cost of living, many of our customers may be feeling increasingly worried about the future and keeping up with pre-existing credit commitments. If you are worried about credit commitments or your circumstances have changed, we're here to support you. Please talk to one of our advisers as soon as possible so we can discuss all options that may be open to you, or offer guidance and signposting to free independent debt advice.
If you'd rather speak directly to an independent debt advisor, please contact one of the below organisations:
Money Helper – 0800 011 3797Citizens Advice (England) – 0800 144 8848Citizens Advice (Wales) – 0800 702 2020Step Change Debt Charity – 0800 138 1111National Debt-line – 0808 808 40000
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What are your opening hours?
Our live chat team is available at the following times:
Monday - Friday: 8:00am - 6:00pm
Saturday - 8:00am - 4:30pm
Sunday - Closed
Please contact us on live chat here.
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How can I contact you?
You can reach our dedicated support team via live chat or email. For more information, please visit our Help page.