Responsible Lending

Our repayment system offers customers a convenient and manageable way to plan their purchases and gives them complete control over their repayments.

When making a purchase from Buy As You View, a dedicated, personal Account Manager will conduct a thorough income and expenditure check with them. This personal service ensures that the most suitable and affordable product is selected.

Once this is complete, a new Account Manager will visit the customer’s home within forty-eight hours to independently verify the information.

With over forty years of trading, we've become experts at what we do. Our high level of customer referrals - over one third of our new customers have been recommended by existing customers - is testament to our efforts.

It is in everyone's best interest to ensure that customers can afford their repayments. We want our customers' experience of Buy As You View to be positive, specifically 'the affordable way to buy things for the home'. This will encourage repeat purchases and customers will tell their friends and family about our outstanding products and service.

Despite our UK wide operation, the structure of our sales force and our repayment system enables our dedicated Customer Account Managers to develop a supportive relationship with their customers and allows our customers to continue dealing with a familiar face, rather than a remote organisation.

Our unique SmartMeter was developed in support of our commitment to responsible lending as it allows us to monitor repayments. In turn this allows us to react promptly to changes in individual customer circumstance and provides a number of options to help our customers get back on track.

Our mission is to lend responsibly, to help and to be clear and honest with all our customers. Read our Customer Charter or download our Customer Charter Leaflet (PDF format, 730Kb) for more information.

Maintaining standards

Buy As You View are committed members of The Consumer Credit Trade Association (CCTA). The CCTA’s main goals are to ensure that businesses are kept up to date with changes to credit legislation in the UK and Europe and to ensure that these changes are put into practice.

As a Credit Services Association (CSA) member we are fully compliant with annual audit checks carried out by the CSA. The CSA is the UK’s National Association for companies who work with credit accounts. CSA Members understand their customers and are here to help, handling all debt servicing operations with care, courtesy and consideration.

Consumer Credit Trade Association logoCredit Services Association logo

Legislation

As a provider of consumer finance, Buy As You View operate in accordance with the requirements of key legislation. These includeThe consumer Credit Act, The Supply of goods (Implied Terms) Act and The Sale and Supply of Goods Regulations. Read more about how legislation governs us.