Barclays Partner Finance
If you would like to spread the cost of your BBQ Cabin, a Barclays Home Improvement Loan might be the ideal way to fund your purchase.
Designed with flexibility in mind and with no hidden fees, you can spread payments over 36, 60 or 120 months.
Other than a small deposit (10%), you’ve nothing to pay until at least one month after installation has been completed to your satisfaction. Also, as you’re protected under the Customer Credit Act 1974 you have certain rights, in the unlikely event that a problem should occur and you’re not satisfied.
A Home Improvement Loan lets you spread the cost of your purchase, providing a repayment plan that suits your budget and keeps your savings intact. You need to make the minimum payment throughout the term of the agreement – but you can choose to make additional payments to clear your loan early.
Interest is calculated daily on your outstanding balance. This means that you’re in control of the term of your loan and the total interest payable. Additional payments will reduce the term and therefore, the total amount of interest paid.
You can settle your account at any time, should you wish to settle early simply call Barclays and they will calculate your settlement figure. Paying your loan off early means that you will only pay part of the interest you would have paid if the loan has run its full term.
Typical APR 11.9% Representative
|Total amount of credit||£7,600.00|
|Rate of interest||11.9% p.a. (variable)|
|Duration of the agreement||60 months|
|Monthly repayments||£166.37 per month|
|Total amount repayable||£9,982.08|
|Other charges (if applicable)||£0.00|
Available subject to status, written details available upon request.
Arctic Cabins Ltd act as a credit intermediary and only offers products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register Number: 311753). Registered in England. Registered No. 2901725. Registered Office: 1 Churchill Place, London, E14 5HP
If you are not satisfied with any aspect of our service or products relating to your finance agreement, please tell us about your complaint.
Step-by-step complaints procedure
If you’re not completely happy with our service we’d like to hear about it so we can do something to put it right.
We do everything we can to make sure our customers get the best products and service possible. However, sometimes we may not get things right the first time.
When that happens we want you to tell us what went wrong so we can put matters right.
We want to:
- make it easy for you to tell us what went wrong;
- give your complaint the attention it deserves;
- resolve your complaint fairly without delay; and
- make sure you are satisfied with how your complaint was resolved.
How & where to complain
If you are not satisfied with any aspect of our service or products you can tell us about your complaint in the following ways:
In person – call into our office at the address shown overleaf. We are open Monday to Friday from 08.00am – 4.00pm
In writing – write to us at the address below and address your letter to The Customer Complaint Manager.
By telephone – call us on 0115 932 8888 during our office hours.
By email – use the email address shown below.
How long will it take?
We aim to resolve your complaint straightaway but if we can’t, then we will write to you within five business days to tell you:
- why we have not resolved your complaint;
- who is dealing with your complaint; and
- when we will contact you again.
We will aim to resolve your complaint quickly but it may take longer if it is complex.
We will keep you informed on a regular basis but if you need an update please call us on 0115 932 8888 and ask to speak to the person handling you complaint.
If we cannot reach agreement with you
If we can’t agree a solution with you within eight weeks, we will:
- Send a letter giving our reasons for the delay and an indication of when we expect to provide a final decision; or
- Issue our final decision letter which will explain our final position.
The Financial Ombudsman Service
Our aim is to resolve all complaints internally. However if after receiving our final decision letter, or if eight weeks have passed, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). Their contact details are shown overleaf.
Please note: Only complaints relating to the sale of financial services should be referred to FOS.
Financial Ombudsman Service
If you would like the Financial Ombudsman Service to look into your complaint you must contact them within six months of the date of our final response letter.
The Financial Ombudsman Service
London, E14 9SR
Or you can telephone on: 0800 023 4567
Further information can be obtained from the Financial Ombudsman Service’s website at www.financial-ombudsman.org.uk