Finance Options
Finance is available for our products, this gives customers the option of spreading the cost of their purchase with our provider, etika, for example.
Basic Criteria
- Be 18 years old or over
- Be employed for at least 16 hours a week or retired and in receipt of a private or company pension. Certain state benefit schemes may also be considered.
- Be a permanent UK resident with a 3-year address history.
- Have a good credit history with no late payments, debt relief orders, or bankruptcy
- Have a valid email address and can access it
- Please note that meeting the above criteria does not guarantee finance acceptance
Application Process
Select the items you wish to purchase and put them in your basket.
Reach the checkout page and select etika Finance as the payment option. At this point you will be directed to complete etika’s application process
Pay the agreed deposit and submit the application.
A credit check will be completed against customer’s credit report as a part of the application process.
etika will provide an instant decision in the majority of applications, but if the application does refer then follow this process:
If you are declined you can contact etika for more information and an email confirming details of the credit reference agency used will also be sent to you.
Web: www.etika.com
FAQs: https://etika.com/uk/customer/faqs
Email: hello.uk@etika.com
You will need to complete your finance application online as you will be asked for some sensitive information. Our finance partner will require personal details like your name, address, phone numbers and income. Plus, your bank account and credit or debit card details. They need this information to be sure who’s applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.
The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can’t give you an instant decision we’ll send you an email the moment the finance company makes a decision.
Please note that for security measures proof of ID may be required after your application has been approved and your deposit has been paid. This step is to verify your transaction and a check will be done on any ID provided. If your ID fails the check or you are unable to provide a valid proof of ID, we will be in contact with you. Should you need to provide ID you will be notified via email from the finance provider.
A credit check forms part of the automated decision making process and is part of a responsible lending policy.
When your credit application is accepted you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application) and on the credit agreement itself. Your monthly repayments are collected by Direct Debit.
You have the right to repay all or part of the credit early, at any time.
Finance Examples
For example: Finance is available on orders from £500 to £15,000, a deposit is required between 10-50% of the order amount and is paid directly to etika as part of the application process. Finance options are available representative 0%
A £1000 sale at representative 0% APR over 12 months:
Sale amount: £1000
Deposit amount (10%): £100
Credit amount: £900
Representative APR: 0%
Interest Rate: 0%
Number of repayments: 12
Monthly repayment: £75
Total amount of interest: £0
Total amount payable: £1000
Cancellations
The client understands that once the program has begun it will not be refunded partially or in totality.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and etika will refund your deposit and let you know of any outstanding balance if applicable.
Please note: You may cancel your credit agreement, but you will still be liable to pay for the training by another method.
For any other questions contact us on 01376 653147.
Consumer credit service is provided by etika (a trading name of etika Finance UK Ltd).
etika is authorised and regulated by the Financial Conduct Authority under registration number: 697658.
etika (a trading name of etika Finance UK Ltd) is a UK registered company, registration number 7440512 with registered offices are at Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester, M4 6AG
Complaints
If you wish to make a complaint please email info@bigbusinessevents.co.uk or call us on 01376 653147. In the event that your complaint cannot be dealt with internally they will be managed in line with FCA and FOS requirements.
Click here to find out how to complain to the FCA.
Click here to find out how to complain to the FOS.
Legal
bigbusinessevents.co.uk/Big Business Events is a trading name of Big Business Events Ltd registered in England & Wales registration number 10173932. The registered office address is Suite 342, Dorset House, Duke Street, Chelmsford CM1 1TB. 01376 65147 info@bigbusinessevents.co.uk.
Big Business Events Limited is authorised and regulated by the Financial Conduct Authority, FCA registration number 917871.
Big Business Events trading as bigbusinessevents.co.uk/Big Business Events Ltd acts as a credit broker and is not a lender, introducing customers to etika Finance UK Ltd.
etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority, registration number: 697658. Registered address: Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester M4 6AG
Web: www.etika.com
FAQs: https://etika.com/uk/customer/faqs
Email: hello.uk@etika.com
Tel: 0800 028 9321
Click to read our vulnerable customer policy.
