Here you will find answers to the most common questions about PayBreak’s afforditNOW finance. Please scroll down to the relevant section.
If you can’t find the answer you’re looking for below, then please contact us with your questions by email.About afforditNOW
- Be over 18 years of age;
- Be employed at least 16 hours per week;
- Be a permanent UK resident and be able to supply a UK address history for the last 3 years;
- Have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies.
We welcome applications from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).
The online application takes just a few minutes to complete and once submitted you will receive an instant decision. For further details visit How it Works
When you apply, we will ask your permission to approach a credit reference agency (CRA) to see if it has any information about you and we use this data together with details you provide and information we may hold to assess your application.
All you have to do is contact the retailer you purchased the goods from and pay for the order via some alternative means. Your credit agreement will be cancelled and your money will be refunded.
If your application is unsuccessful, we notify your card issuer of the outcome shortly afterwards and they will remove the reserve they may have placed on funds.
If you have any problems with your direct debit or need to amend an existing one, please contact us.
There are also a number of other ‘not for profit’ organisations who may be able to help you:
We will never ask for personal details about you or your account via email including your password, payment details such as account number or sort code or card number.
If you do call us, we will ask you for information to confirm you are who you say you are. This is information you will have given us when you set up your account with PayBreak.
You can call our customer services team on: 03333 444 224
Calls are charged at national rate from land lines. You may get free calls to this numbers as part of your call or mobile phone package. Please check with your phone provider.
Our lines are open Monday to Friday from 9am to 5pm.
Please email us at: firstname.lastname@example.org
Our team will respond to your queries in working hours – Monday to Friday from 9am to 5pm
If you need to write to us, please send letters to:
Please quote your full name and address and 12 your digit account number on all correspondence.
We take complaints seriously. If you have a complaint, then we would like to hear from you so we can resolve your concerns.
Please email: email@example.com or write to us at:
To make sure we have all the information to investigate your complaint please provide:
- Your contact details, including a daytime phone number
- Your account number
- What your complaint is about
- What you think should have happened
Upon receipt of your correspondence, we will contact you by telephone to see if we can resolve the issue straight away. If we are unable to do that by the end of the following working day, we will email or write to you with a complaint reference number.
We will send you a full response within four weeks of receiving your complaint. If we have been unable to resolve your complaint by then, we will send you a full written update of progress.
Within 8 weeks we will write you with our final response. If your complaint has not been resolved by this time we will explain why and may ask you for more time to complete our investigations.
If we have not been able to resolve your complaint satisfactorily or within 8 weeks, then you can contact the Financial Ombudsman Service within 6 months of our final response.
The Financial Ombudsman Service is an independent organisation who aim to resolve disputes between consumers and financial institutions. Their services are free of charge to consumers.
You can contact them at:
The Financial Ombudsman Service