Application Process

How do I apply for finance with Buyline?

Buyline is a point-of-sale retail finance provider. We offer finance to purchase goods and services through our Business Partners. Our Business Partners offer a wide range of goods and services,

When you purchase goods or services through a Buyline Business Partner they may offer you the opportunity to spread the cost over a longer period through our finance products. If this is something you like the sound of, please let our Business Partner know and they will guide you through our simple application process.

What information do you request on the application?

When you apply to finance your purchase through us, we will ask you to provide information including:

  • Your current address
  • Your email address and telephone number
  • Your occupation and information about your income and expenditure
  • Your bank account number and sort code so we can set up a Direct Debit for your repayments
Will a soft or hard credit search be performed?

A soft credit search is performed when you apply for your loan so that we can take an initial look at certain information on your credit report to decide if you are likely to be successful in your application.

Although soft searches will appear on your credit record, they will only be visible to you. As they aren’t visible to other companies, they will have no impact on your credit score or any future applications you may make.

When you agree to go ahead with your loan, we will record a hard search on your credit file. This means that any company searching your credit record will be able to see that you have applied for credit.

How will I know if my application has been approved?

When your application has been received, we will send you an email to confirm we’ve received it, explain next steps and to give you some important information about use of your personal data.

Once we have completed our checks, we will let you know if your application has been successful or not by emailing you. Sometimes, we may need additional information to help us to assess your loan application. A member of our Customer Service Team, or our Business Partner, will contact you if we require any extra information.

If I have been declined, what happens to my purchase?

If your application is declined, we will write to you to let you know. We’ll also let the Business Partner know that your application has been unsuccessful so that they can contact you to discuss your options to pay for the goods or services.

How do I update my personal details?

If there is a change to your personal information, for example, you’ve moved to a new house, got married or changed your telephone number it is important that you tell us so that we can make sure our records are correct and up to date.

You can tell us about any changes by emailing us at hello@buyline.co.uk or by calling us on 03330 230 134.

Can I get a copy of my Credit Agreement?

All our Credit Agreements are sent electronically. Once you’ve e-signed, we’ll send a copy to your email address. However, in the rare event you are unable to locate your agreement please contact us for a copy.

What do I do if I no longer want to go ahead with my purchase?

Please contact the Business Partner direct who will be able to assist you.

Payments

How are my repayments collected?

Your payments are automatically taken by Direct Debit, and we ask you to complete a Direct Debit Instruction when you receive your Credit Agreement. If you want to change your payment method, please contact us on hello@buyline.co.uk or by calling us on 03330 230 134.

Can I change my payment date?

If you want to change your payment date, please contact us at hello@buyline.co.uk or by calling us on 03330 230 134. If a Direct Debit payment is due shortly, we may not be able to change your payment until after it is collected. However, we will explain this to you when you contact us.

Can I make additional payments against my agreement?

You can make additional payments at any time. Please contact us at hello@buyline.co.uk or by calling us on 03330 230 134 to make a card payment or for our bank details to make a payment by bank transfer.

Will I be charged for making additional payments against my agreement?

You can make additional payments of up to £8,000 per year without incurring any changes.

I have cancelled my Direct Debit; how do I reinstate it?

You can reinstate your Direct Debit by contacting your bank directly and asking them to reinstate you Direct Debit for ‘Eazipay Ltd re Buyline Ltd’ or by calling us on 03330 230 134 to reinstate it for you.

I’ve changed my bank details; do I need to notify Buyline?

If your payments are made by Direct debit, you must telephone us on 03330 230 134 to provide your new bank details so that your repayments can continue to be taken without any disruption.

How do I find out my outstanding balance?

Please contact our Customer Services Team to find out the balance owing on your account. You can do this by emailing us at hello@buyline.co.uk or by calling us on 03330 230 134.

Can I pay the outstanding balance early without penalty?

There is usually no penalty to repay your loan early. If your early settlement figure exceeds £8,000 there may be a penalty charge which is explained in your Credit Agreement.

You may be entitled to a rebate of interest if you repay your loan early, we will tell you whether you are due a rebate and the amount.

What happens if I am unable to meet my repayments?

If you are struggling to keep up with your repayments, please contact us as soon as possible at hello@buyline.co.uk or by calling us on 03330 230 134 so we can agree a way forward for you.

It is important to be open and honest about your financial situation so that we can agree an option that is right for you.

If you are experiencing financial difficulties or would like advice on managing debt problems, there are several free debt advice services you can contact:

If you can afford to make some of your repayments, even if it’s a smaller amount than usual, you should do so but please get in touch with us first.

Will I be charged if I miss a payment?

If you miss a payment, you may be charged. Details of our charges are explained in your Credit Agreement.

You should be aware that failing to make payments can also affect your credit rating and make it more difficult for you to obtain credit in future, as well as having serious consequences such as the possibility of legal proceedings.

My Data

How do the Credit Reference Agencies (CRA) use my data?

For information about how the CRAs use your personal data you read the Credit Reference Agency Information Notice (CRAIN) here: www.transunion.co.uk/crain.

Please email us at helllo@buyline.co.uk or telephone us on 03330 230 134 if you would like details of the credit reference agencies from whom Buyline obtains, and shares information about you with.

How can I access the personal data you hold on me?

You can email us, or write to us, to ask for copies of your personal data and for information on how we process it.

We may need to verify your identity to provide information to you and, if a third party is acting on your behalf, we may need to check you have given your consent to us disclosing this information to them.

Sometimes, we may release the information to you directly rather than your third party so as to give you the opportunity to choose what information you may share with them.

Please let us know, when contacting us, what personal data you require access to as it helps us to locate your data and process your request much sooner if you tell us exactly what information you need access to.

How secure is my data?

We take security of your information seriously and we maintain appropriate safeguards to prevent the information you have provided from being accidentally lost, used or accessed in an unauthorised way.

How do you use my personal data?

We collect process and store personal data for a variety of reasons. For more information about how and why we process your personal data please read our privacy notice.

Q: How long do you keep my data for?

A: We will only keep information about you for as long as we need to fulfil the purposes for which we are processing your information. After that we will either delete or anonymise your data.

For more information about how long we keep your information, please read our privacy notice.

Complaints

I am dissatisfied with the goods or services I’ve received; or the goods have not arrived. What do I do?

If you’re unhappy with the goods or services supplied to you and financed by us, you should contact the supplier in the first instance. If you remain unhappy with their response, please contact us and we will look into the matter for you.

I am dissatisfied with the service from Buyline. How do I make a complaint?

We do our best to always offer a great level of service. However, if we have not delivered the standard of service that you expect, please email us at hello@buyline.co.uk or write to us at:-

Buyline Ltd,
B12 Elmbridge Court
Cheltenham Road East
Gloucester
Gloucestershire
GL3 1JZ

Telephone: 03330 230 134 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

Information about our complaint handling process can be found on our ‘How to Make a Complaint’ page.