Your Stories

Leila (24), is a single parent with two kids aged 1 and 4 years old.fair for you your stories

Her cooker had broken and for five days she had not been able to cook a “proper meal” for her or the kids.  She had to freeze all the food that they had bought to be oven cooked and do a whole new food shop to get microwave meals. She had to rely on the help of friends and family, especially as it was her 4 year old son’s birthday party at the time.

Leila had previously used [another weekly payment store] to furnish her flat.  However, the experience could “not have been worse”.  She describes the service as “terrible”, and told us that they were ‘always on the phone chasing payments’ and were ‘very patronising’.

She also knows that [another weekly payment store] are terrible value for money, giving them only 2 out of 10 for this, and the repayments meant she had only £25 per week left for food. “It was a real struggle”, she said. However, she felt she had no other choice available to her at the time.

In contrast, she gave Fair for You “10 out of 10” for ease of use, friendliness and value for money and would definitely recommend them to others.  She definitely won’t be using [another weekly payment store] in the future.

John (49) is partially deaf after the removal of a brain tumour, and also has spinal problems. He is living witfair for you john and karenh his wife, Karen, who is waiting for a hip replacement.

John had previously used [another weekly payment store] to get a cooker and a tumble dryer.   However, the cooker was now on its way out and John was aware that he had been charged a lot of money for the tumble dryer: paying ‘well in excess’ of £900 for an item that should ‘probably have only cost about £200’.  He has never missed a payment with [another weekly payment store], but found it ‘heartbreaking’ that he had paid out so much in interest!

The cooker needed an urgent replacement, as he and his wife were getting very anxious that they wouldn’t be able to eat properly. If Fair for You hadn’t been available he would have had no choice but to ‘pay over the odds’ again with [another weekly payment store], who he describes as ‘greedy’.

While he was getting the cooker, he also used Fair for You to get a new kettle, which was ‘falling to pieces’.  He describes his new products as being ‘absolutely perfect. I love them’ and he is ‘99% certain’ that he won’t be using [another weekly payment store] again.

He rated us ’10 out of 10’ for ease of use, friendliness, and value for money and  only wished that we could expand our range of products so that he could get other household items through us.

Zena (34) is a single parent with a 14 year old son.  She works full time in a customer service centre.

When the freezer stopped working she couldn’t buy in bulk any more, which meant missing out on deals and paying more for food. She lived like that for a year.

Her previous fridge freezer was from [another weekly payment store]. However, she was didn’t want to use them again because she had found them to be very expensive.  At the time she was desperate and felt she had no other options.

She rated us ’10 out of 10’ for ease of use, friendliness of service and value for money’ and was ‘really happy’ with her new fridge freezer.  She would recommend us to others, and would be keen to see the range of products expanded to include TVs and other items so that ‘people didn’t have to go to [another weekly payment store]’.

Julie (30) lives with her partner, Dave, who has back problems. They have five children living with them, includinfair for you mother child debtg twins aged 6 months and three other children aged between 3 and 10.

Julie had previously gotten a fridge freezer and tumble dryer from [a weekly payment store], but they cost to much and she had to return them.

Because of the high repayments that Julie had been making to [a weekly payment store], she had to go without other household items that she needed, like a washing machine and kettle, which had broken and which she couldn’t afford to replace.

Now she has a fridge freezer and tumble dryer with a loan from Fair for You, and commented that “the service has been absolutely brilliant.  The cost is much better and the appliances are better too.”

Jane and her partner Mike are both in their fifties and are out of work with long term health problems.fair for you no cooker

Their cooker and tumble dryer had both been broken ‘for months’.  They had been drying clothes on the radiators and living off microwave meals, which they were finding expensive. On occasion they had to have meals provided to them by their adult children who visited.

Although Jane had not used rent to own stores, and did not generally like using credit at all, she described Fair For You as ‘brilliant’ and gave them ‘10 out of 10’ for ease of use, friendliness of service, and value for money.

Louise (55), is a single parent and full time carer for her son, Jonathan, who is severely autistic.

Louise has had to borrow from high cost lenders before.  She sometimes finds it a struggle to make ends meet, and borrowed from [a payday loan company] in the run up to Christmas when she was ‘very short of money’.  She has also previously used [another weekly payment store], to obtain a cooker, although this was a ‘very long time ago’.  She knew that they were not good value for money and didn’t want to use them but felt she had no choice.

She found Fair for You online when searching for options to get a new washing machine, as her other one was on its way out.

She was really pleased with the service that she received and with the cost of the loan.  Rating us as 10/10 on ease of use, friendliness of service, and value for money!

She said: “I can’t fault them at all. It was all done very quickly, and they were very helpful. You get a good price for what you are buying and a really low rate of interest.  And you can choose the length of time you need to pay over as well.”

Susan (46), a single parent, works part-time in afair for you cooker local supermarket.  She lives with her 20 year old daughter, who is also working, and her 14 year old son.

When she broke-up with the children’s father, Susan had to deal with a number of debts that had been incurred and also suffered with depression. However, she has managed to be in permanent employment for the past 4 years.

She used [another weekly payment store] before, most recently to get a mobile for her son for Christmas.  However, she didn’t find the application process easy. “With [another weekly payment store] you don’t get an instant decision and have to take all your paperwork to the shop.”

She found the staff very unfriendly, and received a number of phone calls afterwards ‘hassling’ her for payment, even though she wasn’t even late with this!

Then Susan’s oven, which was pretty old anyway, began to give out, taking twice as long to cook meals, costing more too on energy bills to do it.

So, we gave Susan a loan for a new cooker, which was delivered to her within three working days.

When asked about the service she received from us, Susan gave us a ‘10/10’ for ease of use, friendliness of service, and value for money!

“It’s much cheaper than [another weekly payment store].  I wouldn’t recommend them to anyone unless they were really desperate”.

She said she would like to see us expand our product range beyond just white goods so that there wouldn’t be any need to use [another weekly payment store] again.

Woman with debts worrying. Financial problems.“I’m not allowed to work due to disability. I have anxiety attacks, so I’m not allowed out alone. I have family members that take care of stuff. I’ve got four children; three girls and a boy, aged 17, 16, 13 and 11.

I had the cooker for 3 years. The oven blew, so I had no oven.

I looked around, and Fair for You was the cheapest option. My other cooker was from [another weekly payment store] and the interest was really high, so I didn’t really want to use them again, so I looked online. I put in Google ‘cheap electric cookers that could be paid weekly’ and you were the first to come up. The online process was quite easy, I got a phone call quite quickly, 2 hours after I applied.

I’m actually paying off a fridge freezer and the bunkbeds for the children, but I’m trying to get them paid off so I don’t have to use [another weekly payment store] anymore because of the interest rate. You’re paying nearly double back for the item.” – March 2016

“Sounds a bit too good to be true.

I’ve used [a weekly payment store], I’m sure you’ve heard of them, I had an incident when I got a tumble dryer from them. It started off alright at £6 a week, but when you consider that that’s over 3 years you end up paying £900 for a £250 tumblr dryer, and of course that’s a little bit disheartening, and it’s heart breaking because you have such trouble getting normal credit, it’s a shame that you get penalised for that with such a high interest rate.

I’ve had my cooker, I’ve had it for 12 year now, the buttons have fallen off of it, it’s still working but it’s looking a bit shabby, I’ve had my money’s worth out of that.

[Fair for You] is amazing. I’m a bit taken aback that it’s all so simple, it’s refreshing.” – Feb 2016

“I’m a single parent and I’m on disability benefits. So it’s hard for me to try and get credit. When I found you, I couldn’t believe how quick it was all sorted out. And how professional it was.

[…] I don’t really apply for much credit to be honest. It was just this one time where I didn’t have enough to go and buy a cooker and that was how I have done it. It was just an emergency.

I was expecting to be waiting for days and days and weeks before you finally decided to get it delivered, but you got it done in days. I couldn’t believe the speed. Cause I was down the phone to them on the Monday, and it were coming in on the Thursday to put in the cooker. And I thought that’s just crazy, because that normally doesn’t happen.”   –  Alex, Scotland, Feb 2016

I’m a night worker at […] and a bit all over the place during the day- so I’ll give you mother and boya few details over email.

Applying to Fair for you was extremely simple. Non complex forms, everything explained in black and white. Precontract information the same, everything nice and clear.

I found Fair for you via Google, our washing machine has been on and off for months- I spent 6 years in the white goods repair industry, mainly via insurance; so I know its not worth repairing.  I choose a Hotpoint appliance, as from previous experience I know they’re pretty solid machines.

Unfortunately, I use the machine on a daily basis- we have a 3 year old and my partner is currently retraining as a chef; so it gets a lot of use.  When I came home early on the 23rd to find it was allergic to doing whites/lights, I started to look for a replacement.

Certain high Street retailers are charging between 69%-99% APR for people in our situation. While I work, it supports 3 people and paying [other weekly payment store] £1700+ for a new machine that costs a fraction of that, didn’t really appeal to me; but felt left with little choice.” – December 2015

“I’m a single mum but I’m a carer for my son, he had disabilities and stuff. I’ve got two other children as well.

My fridge was leaking, and the prices that you offer is so much better than – I used [a weekly payment store] before, and their prices are horrendous and they go on forever. So when I found yours, it’s a hundred times better, hundreds.

I mean you at least pay about twice the amount back with [a weekly payment store]. If you got a half decent washing machine you’d be paying it off for 3 years, £10 a week or something like that, you know.

The same fridge that i got from you guys would cost me about £13 a week, but I’d be paying for 3 years from [a weekly payment store].

I’m paying over a year I’ve got from you a tumble dryer and a fridge, so both of them £800 and that’s with your interest. That’s a huge difference!

A lot of these companies, they hit on the people that do struggle. If you got the cash you can get it a lot cheaper, but these companies put on such high interest that you’re paying it off forever. But because they’ve got no other choice, they don’t have the finances, they got no choice they got to go to these companies. And it’s sad because it’s the people who really need it who the companies are making the money off of.

It’s terrible. It’s sad.

When I saw your site I phoned my mum! I called a couple people and said look, if you need anything, these people are decent.

A lot of the items that they have are 3 years contracts. That fridge I got from you now, it cost me £13 a week, and that’s okay you can find that – but for 3 years?

You are realistic. You’ve set up a system where people can have decent products but also they are affordable. You come from a place where – like I said, I can afford to pay off my loan over a year. But if I couldn’t, if something happened and I couldn’t, you’ve given me the option that I can add another 6 months onto it.

Every so often things break down and you have to replace it, because it’s no good getting it fixed because it’s probably not going to last much longer. The fact that the average person who has a family would want something in their kitchen.

Until you get into that scenario and put yourself in a situation that you are on a budget, they you’ll realise that people don’t have something for when something breaks down. If I have £500 in my bank, I could go out and buy a brand new one, or get something on sale or something cheaper on a bargain and stuff – I don’t have that kind of money lying around, you know?

[Other weekly payment store] weekly payments is £13.50, but you have to take their product if you don’t’ have house insurance. Yeah? This is how they get you. And if you don’t have house insurance, your weekly payment is £15.26, the annual fixed interest rate is 69.99%. So, and it’s a 156 weeks. So you would pay back, £1559 if you were paying back £13.50, if you have insurance. So that would be over £1500, over 3 years.

What a difference!”    – Feb 2016

“Thank you Fair For You!

I needed a dishwasher for Christmas as I had family coming over for Christmas dinner. I knew that I would struggle as I’ve had invasive surgery on my back 9 months ago and although I am a long way better that I was prior to having the operation I still struggle to stand for long periods at a time, I also struggle to walk any distance without assistance and I am still experiencing a great deal of pain when I have done too much in a day.

The thought of standing up all day cooking and then clearing up after filled me with dread. My budget was already stretched due to all the additional costs of Christmas and therefore I had resigned myself to fact that I would have to be without a dishwasher for Christmas and would struggle on as best as I could. I had been discussing this prospect with a family member and they had suggested that I checked the Fair For You website and see whether or not this could be a solution for me.

I went onto the website via my smartphone and made my application during my lunchbreak whilst at work. I found the website very easy to use, the products are a high quality brand and are actually reasonably priced. I had chosen the product and applied for my loan on the 21st December and my brand new dishwasher was delivered on Christmas Eve morning and the old dishwasher had been taken away.  Fabulous!

I had opted to take a loan over a 6 month period, but  I do intend to pay this off over 3 months. One of things I have to say makes me really happy is that I can actually repay my loan early without any additional charges. There’s no catch! The customer service at Fair For You is second to none! It was all very quick and very simple. I would happily recommend Fair For You to anyone.

Well Done Fair For You! And once again Thank you!” – December 2015

When it comes to missing payments, we will call to see what the problem is and we’ll try to resolve it together.

We will not charge you late fees, we will not come knocking on your door and we will not repossess the item.

 

We’re aware that things happen to our customers from day to day that is out of everyone’s control, and we don’t penalise you for it. We think that’s ridiculous.

Just give us a call and we’ll work it out together. It’s just fairer that way, don’t you think?

Stories from when payments go off track...

The last week has been a bit of a nightmare for us. My wife was involved in an accident so we got that to go through with. And I had to ask for emergency repairs on my car. So what I must have done is calculated my finances wrong. – Feb 2016

He asked to arrange payment on the following Friday, so we arranged a time that was best for him to take it.

Vicky had missed a payment, so we called her up to see why. She’d been let go from her job, but luckily had an interview lined up, and asked us to contract her to discuss the account later in the week.

Next week she had started a new job, so she made a payment. Her arrears will be cleared when she gets her first lot of wages from her new job. – Feb 2016