Personal Account terms and conditions

Witt (UK) Ltd. will accept, in full satisfaction of all sums due, payment of the total cash price within 28 days of dispatch. Your first statement will be sent 14 days after dispatch. You have a further 14 days in which to clear your balance in full. If you pay using this option you will not be charged any interest (APR 0%). All Witt International credit accounts are only available to persons aged 18 years or over.

Please ensure that the minimum payment shown on your statement reaches us by the date due each month. After the first statement an interest charge, currently 2.204p in the £ is added to the balance outstanding each month (representative APR 29.90% variable). Should it be necessary to amend the credit charge we will give at least 28 days notice in writing.

If you fall behind with your payments, we reserve the right to impose an administration charge to cover the cost of any action we may take.

We search the files of credit reference agencies who record the search and we share information about you and the conduct of your account with them, with other lenders and relevant third parties. Information about you and other members of your household and those with whom you are financially linked will be used to verify your identity and for credit assessment of you and them.

If we enter a credit agreement with you we will also supply details of your agreement with us to the credit reference agencies, as well as ongoing details of your account and how you manage it. If you do not repay on time or in full we will tell the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches. You have the right of access to your personal records held by credit and fraud agencies. We will supply their names and addresses upon request. We, the credit reference agencies and fraud prevention agencies may also use the records for statistical analysis about credit, insurance and fraud. We may make periodic searches to Group records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or to continue or extend existing credit. These searches will not be available to other lenders for credit assessment purposes.

We also use your information, including shopping habits, to open and run your credit account including payment recovery, fraud prevention and debtor tracing and for our marketing.

Important:

We require your correct postcode for the credit option. Credit subject to status.

Credit Offer

Credit provided by Witt (UK) Ltd, t/a Witt International is only suitable, and available, for purchasing personal goods from our catalogue or website. For payment terms please refer to the representative examples in the information pages of our catalogue or website. Should you fail to make payments or pay less than the minimum amount due by the specified dates, we reserve the right to treat this failure as a material breach of your obligation to us, in which case we may ask for immediate repayment of your outstanding balance. We reserve the right to impose an administration charge to cover the cost of any action we may take which may include collection of the debt by a debt collection agency and/or legal action. You can choose to withdraw from the agreement by telling us in writing or by phone within 14 days of the commencement of the agreement. If you still wish to keep the goods, you will be required to pay the cash price of the goods plus accrued interest within 30 days. If you have any questions at all about this credit product please call 0844 251 0051.