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Payment Options

The following Terms and Conditions relate only to new customers registering online. If you are an existing customer, please sign in to view the Terms & Conditions that relate to your own account.

Your Personal Account

How it works

Our most popular payment method is with a Personal Account. Every 28 days we send you a statement and a payment slip by post.

Your statement shows:

	What items we've sent you
	The payments you've made during the period
	Any outstanding balance
	Your minimum payment
	And the date your payment is due

If we open a credit account for you, we'll tell you the credit limit we've given you - it will be at least £100. There's a minimum payment due from you when we send you a statement every 28 days - this minimum payment will normally start at 1/12th of the cash price of the goods and/or services you've bought from us. Once you've established a consistent payment history with us, we may decide to reduce your minimum payment, to 1/24th of the cash price of the goods and/or services you've bought from us. Minimum payment is £5. Our typical APR is 39.9% (variable).

A £60 order on the minimum terms of £5 every 28 days will mean you pay a total of £74.01. If we vary our credit charges the APR we've quoted will vary too. Our current credit charge is 2.62p in £. This rate is correct at the time of going to print. We reserve the right to vary the rate of credit charge on your account but we'll give you at least 21 days notice if we're planning to do so.

To open a personal credit account, you must be a UK resident, and over 18 years of age. When you apply for a credit account with us, you will need to confirm that you meet both these criteria. We also reserve the right to restrict or refuse credit.

If you don't pay in full for goods and/or services you buy from us before your second statement (after the date of purchase) is sent to you, we'll apply a credit charge to your account. We calculate that charge on a daily basis from the date of purchase and add it to your outstanding balance. The calculation will include any goods you've bought in the previous statement period, but it will exclude anything that you've bought and returned.

It's more convenient to pay by Direct Debit

You can ask us for a direct debit mandate either by email (through the "Contact us" page of the website) or by calling our Enquiry Line. Call 0871 231 4000 or visit the website for more details.

Missed payments

If you don't make a payment by the due date stated in your statement, or if you pay less than your minimum payment, we reserve the right to make a reasonable administration charge to cover our costs of reminding you. Our current charge is £12 for each missed payment reminder, and is payable whether we, or someone acting for us, contacts you. You'll also be responsible for any collection charges that we or any collection agencies engaged on our behalf incur in recovering any missed payments. The amount we charge could be changed at any time, though we'll give you reasonable notice if this does happen.

How to Pay:

Online with us, at www.classicconfidence.co.uk

The easiest way to pay into your Personal Account is to do it online via our website. As you know, it's open 24 hours a day, and 7 days a week, 365 days a year.

To use this website to make a payment into your account, go to 'Your Account' and select 'Account Balance and Payment'. Your balance will be displayed and you will be asked to select whether you are using a credit or debit card.

Please enter all the required details carefully - you will be asked to confirm the amount that you have entered to ensure that you have not made a mistake. Alternatively you can select a card you have previously chosen to save. This can be managed in your 'Manage Your Card Details'. This allows you to securely store up to 20 cards.

The card details and amount that you enter will then be sent via a secure link to your card provider who will authorise the transaction.

A confirmation screen will be displayed. If there has been any delay in the response from your card provider, the confirmation screen will explain that we will keep trying to contact them and will update your balance once the payment has been authorised (this can take up to 3 days).

You can also pay the full amount when you order - just click on 'Add Credit/Debit Card' on the checkout page.

Online with your bank, or by telephone banking

You can pay using your bank's own online or telephone banking service - they'll need to know our Sort Code, which is 40-31-24, our Account Number, which is 02128012 and your Customer Number which you'll find on your statement.

By phone with your debit or credit card

You can call on our payment line - 0871 231 4000 Calls cost 10p per minute from BT landlines but will vary depending on your phone company or if you're using a mobile.

Our payment line is open 24 hours a day, 7 days a week. Select option 2, and then our secure voice activated system will take your card and payment details and process your payment straight away - simple! You'll need a few details from your card - specifically the card type, card number, expiry date and Card Verification Number*.

*Your Card Verification Number is also known as the Card Verification Value [CVV] - it's a unique security code that is printed on the back of your card for extra security. Your CVV code isn't printed on receipts, so it is difficult for anyone other than a genuine cardholder to know it. There is a numeric code printed on the signature strip on the reverse of the card, and the last three digits of this numeric code is the CVV code.

By post with your debit or credit card

Copy the numbers from the centre of your card into the boxes on your payment slip or order form. Please do NOT write your Card Verification Number onto any form. Fully complete the rest of the form and return to us. Credit card payments may be subject to a 1.5% handling charge.

By direct debit

You can ask us for a direct debit mandate either by email (through the "Contact us" page of the website) or by calling our Enquiry Line.

At your bank

Just use your Payment Slip as a Bank Giro Credit form and pay it in at the counter with your cash or cheque, ensuring that you obtain proof of payment. Please note, banks may charge you if payment is not made through a branch of your own bank.

At your post office

Write your Customer Number on the back of your completed Payment Slip and use it as a Transcash Form. Pay it in over the Post Office counter with your cash, ensuring that you obtain proof of payment. Please note, there is a standard fee payable at the PO counter.

By post with a cheque

Please make cheques payable to Classic Confidence. Write your Customer Number on the back of your cheque and send it to us along with your completed Payment Slip. We're afraid we can't accept post-dated cheques.

By post with a postal order

Please write your Customer Number on the back of the Postal Order and send it to us with your completed Payment Slip.

For your own protection, never send cash through the post.

YOU MAY PRINT OUT AND KEEP A PERMANENT COPY OF THESE TERMS AND CONDITIONS FOR YOUR REFERENCE BY CLICKING HERE