Finance from V12
0% APR FINANCE – AN EXCELLENT WAY TO SPREAD THE COST.
Alf Jones Cycles want to make buying your dream bike and accessories a reality by offering finance packages up to 36 months. With 0% APR finance there are no hidden extras ensuring your budget stretches further, with none of your cash going towards paying off the added burden of interest charges.
All bikes and accessories are available on 0% APR finance excluding sale and offer bikes. The total spend has to be over £250 and a minimum deposit of 10% is required, with payments spread over a period of 12 – 36 months.
15.9% APR REPRESENTIVE
All products including sales and offer items are available at 15.9% APR representive if your spend is over £250, a 10% deposit is required.
AM I ELIGIBLE?
V12 Criteria:
• Is 18 or older
• Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working
student in parttime work or in receipt of a disability benefit
• Has been a resident in the UK or Jersey for at least 3 years
• Has a debit or credit card in their name, which is registered to their address, to pay the deposit where
applicable
• Has a Bank or Building Society current account available – this is required to complete the direct debit
instruction
• Has an email address to receive the important information throughout the application process, including
their signed credit agreement
Representative Example - required points as per CONC 3.5.5R:
Cash Price: £3000
Amount of Deposit: £300
Total amount of credit:£2700
Loan Term: 24 Months
Annual Rate of Interest (Fixed): 15.89%
Monthly Repayment: £130.71
Representative APR%: 15.89%
Total Cost of Credit: £437.04
Total Amount Payable: £3437.04
FCA Disclosure
Alf Jones Cycles Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 698413. Alf Jones Cycles Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
Financial Ombudsman Service
If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.
30 days Right to Reject:
Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly. This right is limited to 30 days from the date you receive your product.
If you are not entirely happy with your recent experience, please raise a complaint by contacting our Sales Team on sales@alfjonescycles.co.uk or call 01978 854300
We aim to resolve your complaint as quickly as possible and if we are able to resolve your complaint within 14 days
We will send you a final response detailing our resolution.
If we are unable to provide you with a final response at 14days , we will send you a letter explaining the reason for delay and when we expect to issue you with a final response.
If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding
ANY MORE QUESTIONS?
If you have any more questions about our finance packages don’t hesitate to contact us on 01978 854300