Lay-by Payment Policy

Eligibility

• Lay-by is normally available on selected items priced above £500.
• Availability must be agreed before purchase, as some pieces may be excluded.
• The lay-by applies only to the specific item agreed and cannot be transferred to another item unless I agree this in writing.
• The total price, deposit, instalment amounts and payment dates will be confirmed in writing before the plan begins.

How Lay-by Works

• A 10% reservation deposit is paid to secure the jewellery and remove it from sale.
• The deposit forms part of the purchase price if the lay-by is completed.
• The remaining balance is paid in agreed instalments, normally over a maximum period of 3 months.
• Invoices or secure payment links are issued for the agreed payments.
• Ps Its Vintage does not charge interest on the lay-by arrangement.
• The jewellery remains with Ps Its Vintage and is not dispatched until the full balance has cleared.

Arrange a Lay-by

To ask about lay-by on a particular piece, please contact me before checkout. I will confirm whether the item is eligible and, if agreed, provide the deposit, instalment amounts and due dates in writing before the plan begins.

Why the Reservation Deposit Is Non-Refundable

Most jewellery offered by Ps Its Vintage is one of a kind. Once an item is placed on lay-by, it is removed from sale and cannot be sold to another customer during the agreed reservation period.

The 10% reservation deposit helps protect Ps Its Vintage against the commercial loss caused by reserving the item, including the lost opportunity to sell it while it is off the market, together with the administration and payment-processing costs involved in running the payment plan.

If you complete the lay-by, the deposit is simply part of the price you have paid for the jewellery.

Payment Schedule

Payments must be made on or before the dates agreed in writing. If you know that a payment will be late, please contact me before the due date. A revised date may be agreed at my discretion, but any change to the payment schedule must be confirmed in writing.

The standard maximum lay-by period is 3 months unless a different period is specifically agreed in writing before the plan begins.

Missed Payments and Default

If a payment is missed, I will make reasonable efforts to contact you. If the overdue payment is not received within 10 calendar days of a written reminder, and no alternative arrangement has been agreed in writing, I may cancel the lay-by and make the item available for sale again.

If the lay-by is cancelled because the agreed payment schedule has not been completed, the 10% reservation deposit will be retained. Any instalments paid above the 10% deposit will be refunded, subject always to any statutory rights that apply.

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If You Choose to Cancel

If you choose not to complete the lay-by, the 10% reservation deposit is non-refundable. Any instalments you have paid above the 10% deposit will be refunded.

The reservation deposit is retained because the one-off item has been taken off sale for you and Ps Its Vintage may have lost the opportunity to sell it to another customer during that period.

No separate administration or cancellation fee will normally be deducted from payments made above the 10% reservation deposit.

If Ps Its Vintage Cancels the Lay-by

If I cancel the lay-by for reasons that are not caused by your failure to keep to the agreed payment schedule or another breach of the agreement, all payments received will be refunded unless another solution is agreed with you.

Statutory Cancellation and Consumer Rights

Nothing in this policy limits or removes any statutory cancellation, withdrawal, refund or other consumer right that cannot legally be excluded. If you validly exercise a statutory right that requires a different refund outcome, that legal right takes priority over the lay-by cancellation terms above.

For eligible online, telephone and other distance purchases, please also read the Refund Policy. EU customers can use the EU Withdrawal Form where applicable.

Dispatch and Returns

The expected dispatch timing will be based on the agreed lay-by schedule rather than the normal website processing time. Once the final payment has cleared, the jewellery will be prepared for dispatch using the applicable delivery service.

After delivery, any return, cancellation, fault or other consumer remedy is dealt with under the Refund Policy and your statutory rights.

Ownership

The jewellery remains the property of Ps Its Vintage until the full agreed purchase price has been paid. No ownership of the item passes to the customer merely because a deposit or instalment has been paid.

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