Lay By Jewellery UK – Flexible Payment Plan Policy

Lay By Jewellery UK — Flexible Payment Plan Policy

At Ps Its Vintage I offer a flexible lay by payment plan on higher-value items. This lets you secure the piece you love with a deposit and pay the balance in monthly instalments. Lay by is not credit — there are no interest charges, no credit checks, and goods are released only after full payment.

The deposit is 10% and is non-refundable. This is stated clearly so expectations are fair on both sides.

Eligibility

• Available on items priced above £500.
• Availability is confirmed before purchase, as some pieces may be excluded.

How it works

• Pay a 10% non-refundable deposit to reserve the item. The item is taken off sale.
• Pay the remaining balance in monthly instalments agreed between us at the time of purchase.
• Standard duration is 3 months unless otherwise agreed in writing.
• I issue an invoice for each payment with a secure payment link. These invoices form part of the contract between us.
• Once the final payment clears, the item is released and shipped.

Key terms

• Ownership. Items remain the property of Ps Its Vintage until paid in full.
• Instalments. Payments are due on or before the agreed dates.
• Duration. Lay by is 3 months unless otherwise agreed in writing.
• Default. If payments are missed the lay by may be cancelled. The 10% deposit is non-refundable. Further instalments may be refunded at my discretion, less reasonable costs already incurred such as administration, storage, transaction fees charged by the payment provider for invoicing, or lost sales opportunities.
• Cancellation by customer. If you decide not to proceed the deposit is non-refundable. Any other payments may be refunded less reasonable costs as above, including transaction fees already charged by the payment provider for invoicing.

Fair practice

This lay by jewellery policy, offered to customers in the UK and EU, ensures higher-value items can be paid for fairly and securely in instalments.

Legal notice

This policy is designed to comply with UK and EU consumer law. Non-refundable deposits are allowed when terms are clear and proportionate. The 10% deposit reflects genuine costs including administration, storage and removal of the item from sale. Transaction fees charged by payment providers are also non-refundable in the event of cancellation. Your statutory rights are not affected.

• Which? — Non-refundable deposits
• GOV.UK — Cancelling goods or services
• Your Europe — Guarantees and returns

Arrange a lay by

To set up a plan please contact me before checkout. I will confirm the deposit, monthly instalments, due dates and the schedule in writing. You will receive invoices with secure payment links for each instalment.

Last updated: 26 August 2025