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Layby FAQs

Do Ramsdens offer a layby scheme?

Yes Ramsdens can offer a layby payment scheme on selected items in-store. The layby scheme allows a customer to reserve an item with an initial deposit and then pay off the remainder of the item balance with fixed payments over a set term. Payments can be made weekly, fortnightly or monthly. The deposit level, payments and payment term vary depending on the value of the item selected. The minimum qualifying item value for the layby scheme is £20. Please note, the customer does not receive the item until the balance has been paid in full. Ramsdens reserves the right to alter the terms at any time without notice.

What happens if I am unable to meet the prescribed regular payments required under the layby scheme?

If the agreed payment plan for items placed on layby is not followed, or if the customer changes their mind and no longer wishes to purchase the item, an administration fee equivalent to £10 or 10% of the item value (whichever is higher) is applicable to cover our costs with any remaining amount repayable to the customer.