Gas or Electric Cooker on Finance?


Our suppliers at Whirlpool have a range of Gas or Electric Hotpoint and Indesit Cookers for you to choose from, which you can get on finance with Fair for You.

To help you decide which cooker features are essential to you, and which you can live without, we’ve created this handy guide around cookers.

Most freestanding cookers are 60cm wide, but if you’re squeezed for space, you can also find 55cm and 50cm wide models. All are roughly the same height and depth to fit a standard kitchen and line up with your worktops.

In general, Gas cookers are the cheapest (provided you already have access to gas), the average price is around £350 & cost on average £14 a year to run. Electric cookers have higher running costs.

As you go up the price spectrum, you are likely to get more features, such as:

  • catalytic self-clean liners – so grease doesn’t stick to it as easily making the cooker easier to clean
  • programmable timers – which alerts you when the cooking is done so you don’t have to worry about forgetting and accidentally burning the pasta bake
  • more spacious ovens – useful for family meals
  • separate grill – useful when you’re trying to cook multiple dishes at the same time
  • more stylish designs – who doesn’t want a home that reflects them?

 

Gas or Electric Cooker?

Unless you have a strong preference for gas or electric, it makes sense to stick with the fuel type you already have the wiring or supply for in your kitchen.

Gas is cheaper to cook with, but cooking costs have a relatively small impact on most people’s household energy bills.

There are a couple of different combinations of fuel type and technology.

You can have:

  • all-gas,
  • or dual-fuel cooker (electric oven and gas hob ).
  • With electric models your main choice is what kind of hob you get.

 

 

Electric cookers

These have an electric oven and hob.

  • Most have fan or fan-assisted ovens,
  • which should help to spread heat more evenly around the oven cavity.
  • If your cooker has an oven fan, it will cook food more quicklyso you can reduce cooking temperatures and times.
  • There are occasions when conventional heat – top and bottom heat without a fan – is an advantage, and
  • if you get a cooker with a double oven, you’ll usually get one conventional oven and one with a fan.

 

Gas cookers

  • All-gas cookers are the cheapest to cook with,
  • gas hobs are usually easier to control than standard electric hobs,
  • providing instant heat when you need it.

However,

  • oven cooking results can be a bit less uniform than in an electric model.

Hope this helps with choosing your cooker!

Our suppliers at Whirlpool deliver your cooker to your kitchen, for free, within 3 days to all of the UK. They’ll take away your old one as well! And you can select installation at check out if you need it.

You can then choose to pay for it with Fair for You, in weekly, monthly or fortnightly instalments that suit you at www.fairforyou.co.uk


 

 

August Update


Welcome to your August update.

Hi all, we thought we were in for a quieter summer but its been busier than ever.

Some fabulous ideas on products and retailers we should be working with, and we are absolutely determined to be adding much more across Northern Ireland and Scotland !!

Thank you so much to everyone that has been recommending us on facebook, we are so grateful that we are happy to put a thankyou off your loan just the same as if you recommend us to a friend directly.

We really love hearing from you, and we know when we are busy we don’t get everything right, but we will always try to sort it.

Keep talking to us, we are on facebook and we love your feedback

Kindest regards,

Angela

CEO


Fancy a fiver?

If you haven’t already, recommend us on Facebook between 16th-31st August 2018 and we will take £5 off your loan with us!
 
(Please note, this is limited to 1 per customer and has no cash value. Any payments due will be paid to loans by 30th September 2018)
 
Thank you to everyone recommending us on facebook so far!

For Good Payers Club members: Win £100 off your loan

From now on, Good Payers Club members who buy a kitchen appliance will get entered into a prize draw to win £100 off their loan! 

You’ll be in for a chance to win each time a kitchen appliance over the value of £150 is purchased, thanks to our friends at Hotpoint.

The winner will be selected at the end of each month.

Terms & Conditions: http://ow.ly/BZBd30kTYSu


How to Make an Online Payment

You can make an online payment at any time using a debit card by going to our website or clicking here: https://www.fairforyou.co.uk/pay/

You’ll need a few things at hand to make sure we apply the payment to your account:

  • Customer number (you can find this on your loan agreement or emails from us)
  • Personal details (including name, mobile number, email address and date of birth

REMEMBER – any payment made is an overpayment, not a scheduled payment. If you would like us to cancel your scheduled payment because of a payment made online please email us at payments@fairforyou.co.uk


Why we Text You

Each month we will text you to keep you as up to date as possible. This will include:

  • your loan balance(s)
  • when you are 1/3 repaid and eligible for a new loan
  • and we will keep you informed if we launch new stores or products.

We will also text you if you miss a payment or your account is running in arrears, and we will text you when your loan is repaid.

 


 

How to Contact Fair for You

There are so many ways you can get in touch with us if you need anything! Below are a few useful links to speak with our different teams…

Loans:

Payments:

Delivery/Item Issues:

General Queries:

Or send us a letter to:

Fair for You Enterprise CIC
Delta View,
2309 – 2311 Coventry Road,
Birmingham
B26 3PG


Insurance and Warranties

 

We don’t sell insurance, all items are new and should be fit for purpose.

All kitchen items have 12 months free warranty included as standard – for other items please check before you purchase.

If you are unhappy with your purchase, and let your retailer know straight away they may be able to collect the item and have the loan cancelled, but their may be a collection fee involved. Please contact your retailer as soon as possible!

If there is something wrong with your product and it is still under Warranty then your retailer should be able to either repair or replace it (providing it is a manufacturer issue and not caused by an accident eg dropping a TV and breaking the screen). Again, please contact them as soon as possible so they can get it sorted.

You can contact retailers on the numbers below:

  • Dorset Homes: 01935 315030
  • Whirlpool: 03448 111211

Hotpoint Fridge Freezers on Finance


Fair for You’s suppliers at Whirlpool offer Hotpoint & Indesit kitchen appliances, including Hotpoint Fridge Freezers on finance that keep food fresher for longer.


Day 1 Technology

Hotpoint Fridge Freezers have Day 1 Technology that mimics the way nature produces fresh air, deterring bacteria and keeping the internal temperature cool even after the door’s been opened, so that food is kept fresher for longer, minimising food waste.

 

Active Oxygen

Active Oxygen technology releases oxygen molecules into the fridge, which removes bad smells, such as strong cheeses, and oxidises bacteria so that it’s harder to grow. The Active Oxygen molecule is the same type of oxygen that is present in nature and released into the atmosphere during a thunderstorm. This incredible molecule is recreated inside the fridge freezer.

 

Multi-Use Drawer

You can choose the way you want to use the space inside your fridge. Placed above the crisper the temperature is set to nearly 0°C, perfect for storing delicate foods such as meat or fish, or place in the middle shelf space where the 5°C temperature and higher humidity is perfect for storing fruit and veg.

 

Energy Saving

Fridge Freezers are switched on 24 hours a day, 7 days a week – that’s a lot of energy being used up on one essential kitchen item, so it’s well worth looking into how to save money on it by finding the models that are most energy efficient.

According to The Energy Saving Trust, choosing an A+++ fridge freezer over an A+ unit will save you about £190 in energy bills over the lifetime of the product (on average, replacement is after 12.5 years for a fridge).

A smaller A-rated fridge could use less energy than a larger A+ rated fridge, too.

If you’re curious how much energy your fridge is using, here’s a handy tip: you can compare the total energy consumption of appliances by looking for their yearly energy consumption in kWh / annum displayed on the bottom right of the energy label.

Fair for You offer energy saving items because we understand the savings that can be made in the long run, and our customers asked for that quality.


You can find more information about Hotpoint Fridge Freezers here

Go shopping for Hotpoint & Indesit Fridge Freezers at www.fairforyou.co.uk & shop ‘Appliances’


 

Ways to Win: Prize Draws with Fair for You


We are so grateful for everyone who is recommending us to their friends, and we love that you are pleased with our service and are spreading the word about our alternative to high cost credit.

We don’t have a huge marketing budget like some other companies so we rely on news of the brilliant service we provide being spread by you, our customers.

That’s why we offer these gifts as a huge thank you for giving us feedback, sharing your stories, referring your friends and for taking out loan with us. Check out the prize draws we have running every month at Fair for You!


Monthly Prize Draws


 

£5 OFF your loan EACH TIME you refer a customer to us

You get a fiver off for every customer you recommend that takes out a loan with us, so that’s £25 for 5 recommendations, £50 off for 10…you get the idea!

Simply log into your dashboard and copy & paste the link there to send to your friends.

When they buy through your link you BOTH get a fiver off your Fair for You loan as a thank you!

OR you just need to make sure they mention you by name when we call to confirm their loan.


Win 25% off your Loan

Take 5 minutes to fill out our monthly survey and you could win 25% off the end of your Fair for You loan in our monthly prize draw!

Fill out the survey by clicking here:


 

Win £50 off your Loan

Leave us a quick view on Trust Pilot and you could win £50 off the end of your Fair for You loan in our monthly prize draw! Click here for terms & conditions

Leave us a review on Trust Pilot here:


WIN a £500 Kitchen Appliance!

Feeling trapped by your credit history?

We want to hear about your experience, take 3 minutes to fill out our survey bu clicking here.

Takes 3 minutes & you’ll be entered into a prize draw to win a kitchen appliance from Whirlpool up to the value of £500!

We’re challenging the way lending is done in the UK, but we need more information to raise the issue of credit scores with policy-makers. Let us know about your experiences and we’ll enter you into our prize draw as a thank you!


100 off your Loan – Good Payers Club Members Only

Each month we’ll do a prize draw to select the lucky customer who bought a kitchen item with Fair for You that month. Prize draw open to Good Payers Club members only.

 


 

Past Big Winners

 

Last month the lovely people at Dogfriendly gifted one of our lucky customers with £1000 towards a holiday with Hoseasons, as a thank you for referring a friend to Fair for You.

Laura won the first monthly prize draw of £100 for purchasing a kitchen appliance from us last month. Here are a few of our customers who have have received brand new kitchen appliances each for sharing their story with Fair for You.

 


So what are you waiting for?

Enter into our prize draws for a chance to win money off your Fair for You loan, or even a £500 kitchen item!

Good Luck!


 

Feeling Lost on How to Improve Your Credit Score?


Doing everything you can to help your credit score, only to find there’s no improvement at all?

Many of our customers report feeling trapped by their credit history.

We met up with a few of them to hear what they had to say about their experiences with credit:

When talking about their experience with using high cost lenders in the past, Jessica says “they take advantage of vulnerable people who they know need money and they don’t think of the consequences for us.”

“Then you stay vulnerable,”says Rhonda. “Years ago I’d had Brighthouse, but now I’ve got a good job, but I can’t take out credit.”

They talked about feeling trapped in a cycle of paying back high interest loans on time, yet never seeing any improvement.

Emma says “I was told if I got a mobile phone it would help my credit rating…but it didn’t move at all.”

“I make payments on every single thing now that I’ve got or loaned and my credit rating isn’t rising at all. It isn’t showing that I’m paying anything.”

 

So How Fair for You Can Help?

Jasmine Birtles, BBC presenter, founder of Money Magpie & patreon of our charity Fair for You, says “these company’s need to be forced to give that information to help your credit rating.”

We’re doing what we can to raise this issue with regulators and government officials, but we need more information about what’s really going on to back us up.

Share your experiences in our 3 minute survey here.

This survey will take 3 minutes and you’ll be entered into a prize draw to win a brand new kitchen appliance up to the value of £500 as a thank you!

If you’d like some advice on the steps you can be taking yourself, here’s Jasmine Birtles sharing advice on this:

 

 5 Tips on How to Clean Up Your Credit Score:

  1.  Pay ALL your bills on time
  2. Get on the Electoral Roll (weirdly, this helps!)
  3. Check your Credit Record regularly on Noddle, Call Credit and Experian
  4. Correct mistakes on the record – takes a few emails but it’s worth it!
  5. Don’t use any ‘Credit Cleaner’ services – they don’t.

 

Your Credit History & Fair for You

We get a lot of new customers asking us about whether we’d accept them based on their bad credit score.

Many are pleasantly surprised that we do not base our decisions based on credit history:

“I’d recommend them, definitely” said Jessica, “I was shocked at getting accepted”.

Emma agreed, “I thought this is a wind up!”

“I didn’t believe it until the delivery person was at the door!” said Rhonda, thinking there was no way she was going to pass with her credit rating.

We do credit check, but our decision isn’t only based on credit history. We like to look more at what kind of payer you are now.

(However, as a responsible credit provider if you are currently struggling with credit we don’t want to add to that, so you are unlikely to be able to borrow from Fair for You).

As a responsible lender we always want to help our customers to buy the things they need, so we’ll check every loan for affordability each time you apply.

You can check your eligibility here.

 

How to Improve Your Credit Score with Fair for You

We always report to Noddle, so check your credit score there. Follow these steps and you should see your credit rating improve.

  1. Set up payments to suit your budget
  2. Pay the minimum due on time
  3. Tell them if your circumstances change, we want to help
  4. Overpay – the faster the loan is paid the less you pay overall

 

Here is what our customers have to say about it:

Karen from Scotland said:

“I could not get credit due to past bad credit history and I felt trapped. I am so happy with the service and can honestly say it’s bettered my life – I feel more in control.

Chevaun from Bolton said:  

I’ve had a very bad credit rating and with my weekly low payments to Fair for You and never missing a payment has helped my credit score a great deal.

I think that you should promote Fair for You a little more so more people find out about you and can benefit from it.

I’m so happy that I discovered Fair for You.”

You can see more on how we’ve helped customers improve their credit score here

 


Don’t forget to take part in our 3 Minute Credit Score Survey for a chance to win a brand new Kitchen Appliance up to the value of £500 HERE 


 

Pay Weekly Holidays on Finance Now Available


Pay Weekly for a Holiday on finance of your choice from  Hoseasons, Haven and Butlins through provider Inspire Travel.

Only available to members of our Good Payers Club, which customers are invited into after 6 months of good payments.

If approved for a loan you can use the funds to book a holiday now and arrange to pay off your loan in regular instalments, just like any other loan from us.

To apply for a loan for a holiday just click here and log in to the Good Payers Club!

 


 

Fair for You are Double Award Winners at Consumer Credit Awards 2018 (again!)


Once again we’ve brought home not just one, but TWO awards at the Consumer Credit Awards last night, and it’s all thanks to our customers!

A huge thank you to everyone who voted! Thanks to you, we’ve picked up the “Best Alternative Finance Provider” and “Firm of the Year” awards.

They are now sitting in place of honour next to our ‘Consumer Credit Champion’ award and ‘Best Newcomer’ award from last year

 

About the Consumer Credit Awards

Our partners, friends and suppliers, including Jasmine Birtles, patreon of Fair for You from Money Magpie, joined us for a lovely evening of entertainment and awards.

Our win was announced at an awards ceremony at the Café de Paris in London yesterday on 12th July, in front of some of the biggest consumer credit firms in the UK. The evening was hosted by acclaimed comedian Jamali Maddix, who you may recognise from shows such as Live At The Apollo. We’re still over the moon that we were able to attend this event and take home an award!

The Consumer Credit Awards have become the largest consumer-voted awards programme within the consumer credit industry, and helps to put the customer at the very heart of the industry, which is why we’re so grateful to win an award.

It means a lot to a not for profit company like Fair for You. As Hollywood actor Michael Sheen put it when he visited our offices the other week, we don’t have the huge marketing budget of mainstream pay weekly stores or pay day lenders. We rely on others to tell their friends about us, and events like the Consumer Credit Awards is a fantastic way to let people know that we’re the best at what we do!

 

Fair for You: Best Alternative Finance Provider 2018

And it’s no accident that we’ve picked up ‘Best Alternative Finance Provider’.

We’ve hosted a few discussions with our customers, who have told us about their past experience with rent to owns and pay day loans. On top of the upselling, they’d find themselves later dealing with inflexible loans that had added costs and fees. They said if they knew then what they had learnt since, they wouldn’t have taken out loans with past creditors. But at the time they didn’t have an alternative when faced with an emergency.

Our customers have voted for a service that provides them with flexible, affordable loans with terms that they can choose to suit their needs, from 3 to 18 months. Our loans are supportive, highly visible and non-penal – all things our customers said they needed from the start.

The application is quick & easy for when they’re having an emergency, and can be done via their smart phone. Everything is made clear from the start, so customers often praise our customer service as ‘second to none’.

Our team works incredibly hard, 7 days a week, approving affordable loans for essential household items to families who need them.

So we’re incredible glad to have an award to show for our hard work!

Our customers were the ones who did the voting, and you can see what they all had to say here.

But here are a few of my favourates:

 

 

 

We are absolutely delighted to have our work recognised by the only people that really matter – our customers.

Thank you again for everyone who voted!


 

Quick & Easy Loans with Pre-Filled Forms


It’s always been quick & easy to get a loan for a household item, but not it’s quicker & easier!

Existing customers can now Log In to apply for their 2nd loan and will have the fields pre-filled!

No need to keep inputting the same information.

Thank you for all the feedback from customers who have asked for this update, please keep letting us know how we can improve our services.


 

Michael Sheen meets Fair for You Customers to Discuss High Cost Credit

 


Yesterday around midday, as the team were working away at our small Birmingham offices, Hollywood Actor Michael Sheen stepped in with cameras and reporters to find out more about our alternative to high cost credit.

As you may have heard, Sheen has recently launched the ‘End High Cost Credit Alliance’ in order to challenge the high cost lenders and rent-to-owns that are taking advantage of lower income households.

Our Head of Lending Alex Neville showed him how our lending is done, before he settled down with our customers for a real chat about their experiences with high cost lending in the UK.

“Brighthouse are Bullies”, said Claire. She found Fair for You when Googling “Pay Weekly Beds” – she’d never heard of us and didn’t think she’d be approved due to her lower credit rating, but she didn’t want to go back to Brighthouse. “They’re like loan sharks”.

Claire was pleasantly surprised with Fair for You, and has had a few things since being with us. “It’s nice having something to rely on” she says, when needing a household item on finance.

Another customer talked about what it felt like being bullied when a payment was missed, and you have children in the house that you feel you have to defend. He felt disrespected and threatened by companies, particularly Brighthouse, sending men to come banging on the door demanding missed payment.  “We have 3 children at home, and they aren’t polite about it”, says Richard.

When life events mean he needed to miss a payment “Fair for You will work with you” he says. Fair for You allow him to overpay so that he can reduce his interest or even miss a payment later when he needs to. There’s lots of flexibility there, which is “quite refreshing in this industry”.

“I want to protect the relationship [with Fair for You]”, he says, “they’re doing something very, very right”.

 

Michael Sheen then asks Fair for You CEO & Founder Angela Clements how our not for profit lending company can be flexible with high risk customers, when so many other lenders don’t seem capable of it.

“Modern lending technology allows you to be flexible”, she says. “It’s a choice – a culture choice.”

Over 25% of Fair for You customers choose to over pay. Partly because it reduces interest, or it allows them to miss a payment when they need to – but the reality is our customers budget incredibly well.

During the discussion, Michael challenged the stigma surrounding those who need to borrow in order to obtain household items, “you should get a fair deal when you need it. You shouldn’t be punished for not being able to have it all in one go”.

“They haven’t lived the kind of life that we’ve lived” says Emma in response, another Fair for You customer.

“All we’re after is basic household appliances […] we’re not after brand new sports cars!” Richard adds.

 

Our customers are always reporting having had bad past experience with credit, but as Richard says below, “When you need the item, you have to go and get it”. He’s felt angry about being abused by other companies…the high pressured sales, the high interest loans and them coming to the door step after putting him into that position with inflexible terms.

But Fair for You are different, says Michael Sheen.

“The business model you’re describing is not based on trying to help people” he says, “the more trouble you get in, the better it is for them. That can’t have at the heart of it that it’s trying to help you”.

Fair for You is a consumer-led, charity-owned, not-for-profit Community Interest Company. Michael has been following Fair for You for a while now, “I know that they genuinely have at the heart of what they want to do is to help people”.

There are different business models out there, and people need to be aware of that.”

So what’s so different about Fair for You? Our customer Emma says it best, so we’ll end with her:

“I can’t stress enough they are such a brilliant company. They are friendly on the phone…they’re very helpful, it’s just like going to family to borrow some money”.


Fair for You is the UK’s No.1 Trusted Flexible Credit Provider

We’re a not for profit alternative to high cost credit, offering flexible, affordable and ethical loans for household items through our online high-street. Customers choose an item & the credit to match their circumstances, which can be weekly, fortnightly, monthly or fortnightly, from 3 to 18 months.

Click here to browse our shops

For any media enquiries please email charlotte.bailey@fairforyou.co.uk