|The following Terms and Conditions relate only to new customers registering online. If you are an existing customer, please sign in to view the Terms & Conditions that relate to your own account.|
|How it works|
|Our most popular payment method is with a Personal Account. Every 28 days we send you a statement and a payment slip by post.|
|Your statement shows:|
|If we open a credit account for you, we'll tell you the credit limit we've given you - it will be at least £100. There's a minimum payment due from you when we send you a statement every 28 days - this minimum payment will normally start at 1/12th of the cash price of the goods and/or services you've bought from us. Once you've established a consistent payment history with us, we may decide to reduce your minimum payment. Minimum payment is £5.|
The rate of interest is 18.36% per annum variable. Representative 19.9% APR (variable).
Typical credit limit £750.
If we vary our credit charges the APR we've quoted will vary too. Our current credit charge is 1.53 pence in £. This rate is correct at the time of going to print. We reserve the right to vary the rate of credit charge on your account but we'll give you at least 21 days notice if we're planning to do so.
To open a personal credit account, you must be a UK resident, and over 18 years of age. When you apply for a credit account with us, you will need to confirm that you meet both these criteria. We also reserve the right to restrict or refuse credit.
If you don't pay in full for goods and/or services you buy from us before your second statement (after the date of purchase) is sent to you, we'll apply a credit charge to your account. We calculate that charge on a daily basis from the date of purchase and add it to your outstanding balance. The calculation will include any goods you've bought in the previous statement period, but it will exclude anything that you've bought and returned.
|It's more convenient to pay by Direct Debit|
You can set up a direct debit over the telephone by calling our enquiry line with your bank account name, number and sort code. You can now also set–up a Direct Debit online from the 'My Account' section when you log–in to our website. Simply select 'Set–up Direct Debit' from the My Account menu, enter your bank details and payment option, check the details and confirm.
Once your direct debit is arranged we will collect payments every 28 days. All direct debits will show on your bank/building society records under 'JD Williams'. Alternatively you can ask us for a direct debate mandate by email (through the 'Contact Us' page of the website). Call 0871 231 2342* or visit the website for more details. * Calls cost 10p per minute plus network extras.
|If you don't make a payment by the due date stated in your statement, or if you pay less than your minimum payment, we reserve the right to make a reasonable administration charge to cover our costs of reminding you. At the time of publish our current charge is £12 for each missed payment reminder, and is payable whether we, or someone acting for us, contacts you. You'll also be responsible for any collection charges that we or any collection agencies engaged on our behalf incur in recovering any missed payments. The amount we charge could be changed at any time, though we'll give you reasonable notice if this does happen.|
|How to Pay:|
|Online with us, at www.highandmighty.co.uk|
The easiest way to pay into your Personal Account is to do it online via our website. As you know, it's open 24
hours a day, and 7 days a week, 365 days a year.
Just go to the 'My Account' section and select 'Account Balance and Payment', and then simply click to make your payment with your debit or credit card. You can also pay the full amount when you order - just click on 'Add Credit / Debit Card' on the checkout page.
|Online with your bank, or by telephone banking|
|You can pay using your bank's own online or telephone banking service - they'll need to know our Sort Code, which is 40-31-24, our Account Number, which is 02128012 and your Customer Number which you'll find on your statement.|
|By phone with your debit or credit card|
Credit card payments may be subject to a 1.5% handling charge.
You can call on our payment line - 0871 231 2342 Calls cost 10p per minute plus network extras.
Our payment line is open 24 hours a day, 7 days a week. Select option 2, and then our secure voice activated system will take your card and payment details and process your payment straight away - simple! You'll need a few details from your card - specifically the card type, card number, expiry date and Card Verification Number*.
*Your Card Verification Number is also known as the Card Verification Value [CVV] - it's a unique security code that is printed on the back of your card for extra security. Your CVV code isn't printed on receipts, so it is difficult for anyone other than a genuine cardholder to know it. There is a numeric code printed on the signature strip on the reverse of the card, and the last three digits of this numeric code is the CVV code.
|By post with your debit or credit card|
|Copy the numbers from the centre of your card into the boxes on your payment slip or order form. Please do NOT write your Card Verification Number onto any form. Fully complete the rest of the form and return to us. Credit card payments may be subject to a 1.5% handling charge.|
|By direct debit|
|You can set-up a direct debit over the telephone by calling our Enquiry line and selecting option 2, to provide your bank account name, number and sort code. You can now also set–up a Direct Debit online from the 'My Account' section when you log–in to our website. Simply select 'Set–up Direct Debit' from the My Account menu, enter your bank details and payment option, check the details and confirm. Once your direct debit is arranged we will collect payments every 28 days. All direct debits will show on your bank/building society records under 'JD Williams'. Alternatively you can ask us for a direct debate mandate by email (through the 'Contact Us' page of the website). Call 0871 231 2342* or visit the website for more details. * Calls cost 10p per minute plus network extras.|
|By Payzone in your local store|
|Just use your statement, with the payzone barcode above the payment slip, and pay at any local store. Please ensure you retain the receipt as proof of payment, please note your Payzone receipt will show 'JD Williams'. To find your nearest location go to www.payzone.co.uk. Please note, a standard fee of £1 per transaction is applied to your account and will appear on your next statement.|
|At your bank|
|Just use your Payment Slip as a Bank Giro Credit form and pay it in at the counter with your cash or cheque, ensuring that you obtain proof of payment. Please note, banks may charge you if payment is not made through a branch of your own bank.|
|At your post office|
|Just use your Statement, with the Post Office barcode above the payment slip and pay over any Post Office Counter with your cash, ensuring that you obtain proof of payment. Please note, you won't be charged at the Post Office but a standard fee of £1 per transaction is applied to your account and will appear on your next statement.|
|By post with a cheque or postal order|
Please make your cheque or postal order payable to High & Mighty. Write your Customer Number, house number and postcode on the back of your cheque or postal order and send it to us along with your completed Payment Slip. We're afraid we can't accept post-dated cheques.
For your own protection, never send cash through the post.
|By post with a postal order|
|Please write your Customer Number on the back of the Postal Order and send it to us with your completed Payment Slip.|
|For your own protection, never send cash through the post.|
|YOU MAY PRINT OUT AND KEEP A PERMANENT COPY OF THESE TERMS AND CONDITIONS FOR YOUR REFERENCE BY CLICKING HERE|
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