Terms of service

Layaway UK – Layby Agreement

Who you are contracting with: Layaway Depot Pty Ltd trading as Layaway UK, a company incorporated in Australia.
Australian Company Number: 165 233 947
Email: contact@layawayuk.com
Last updated 27 August 2026. All amounts are in pounds sterling (GBP) and include VAT where applicable.

IMPORTANT NOTICE

This is a traditional layby agreement. You pay for the Goods by instalments before delivery.

You are never obliged to complete Your purchase. You may cancel at any time before dispatch (Section 5).

No payment is taken when You place Your order. Your card is verified and securely saved, and Your first instalment is collected on the first scheduled payment date You select at checkout.

In addition to Your statutory rights, We give You a contractual 14-calendar-day fee-free cancellation period from the date this Agreement is formed. If You cancel within it, all payments are refunded in full.

If You cancel after that contractual fee-free period, We may retain Our reasonable cancellation costs: £30, or 20% of the amount You have paid if that is higher, capped at £60 and never more than You have paid, subject always to Your statutory rights (Section 6).

If We terminate this Agreement because of repeated missed payments after the notice process in Section 7, the same Cancellation / Termination Fee may apply, together with properly accrued £2.50 failed-payment fees, subject to applicable law.

You will not receive the Goods until the Total Price has been paid in full. Until then You have no right to possession.

This is not a credit agreement, a loan, or a savings product. No credit is advanced to You. Payments are by debit or credit card only.

By placing an order electronically, You accept this Layby Agreement.

1. Definitions

Agreement means this Layby Agreement and any order-specific terms accepted at checkout.
Working Day means a day other than Saturday, Sunday, or a bank holiday in the part of the United Kingdom where Your delivery address is.
You / Your means the customer.
We / Us / Our / Layaway UK means Layaway Depot Pty Ltd trading as Layaway UK.
Payment Plan means the instalment schedule You select at checkout.
Goods means the goods You choose through Layaway UK.
Total Price means the amount payable for the Goods, inclusive of VAT and delivery, as shown at checkout.
Cancellation / Termination Fee means the reasonable cost-recovery amount described in Section 6.

2. Nature of this Agreement

This is a traditional layby arrangement.

• You choose Goods and a Payment Plan.
• Instalments are collected by card, on the schedule You select at checkout, before delivery.
• We supply the Goods once the Total Price has been paid in full.
• You have no right to possession and no ownership until payment in full and delivery. Ownership and risk pass on delivery (Section 12).
• Goods are ordered new from authorised UK retailers after Your final payment. They are not set aside from stock when You order.

This Agreement is formed when You place Your order electronically. Nothing is charged at checkout.

3. No credit

We do not provide a loan, credit, or deferred payment for goods already supplied. This is not a regulated credit agreement.

You are not obliged to complete the purchase. You may cancel at any time before dispatch (Section 5).

A missed, failed or withdrawn payment is not a default debt, creates no debt for unpaid future instalments, is never sent to a collector, and is never reported to a credit reference agency. Our remedies are limited to this Agreement.

We charge no interest and no charge for paying over time.

Money You pay is dealt with under Sections 5, 6, 7, 8 and 11.

4. Payments

Payments are by debit or credit card only.

Nothing is charged at checkout. Payments follow the Payment Plan and Section 4A, starting on the first scheduled payment date You select.

If a payment fails, We may retry it, contact You, agree a schedule change, pause the plan, or terminate after the process in Section 7.

A £2.50 administration fee may apply to each qualifying failed payment as described in Section 8.

If We agree a schedule change, We will confirm it in writing before it takes effect.

4A. Recurring card authorisation

You authorise Us to charge Your debit or credit card:

• the instalment amounts shown at checkout and in the order confirmation;
• on the dates and frequency (weekly or fortnightly) You selected, starting on the first scheduled payment date, until the Total Price is paid or this Agreement is cancelled or terminated.

Amounts and dates are fixed at checkout. A copy of this authorisation is in Your order confirmation.

Charges appear under Our merchant descriptor. All charges are in GBP. Our processing is Australian, so Your issuer may add a foreign-transaction fee. That fee is charged by Your issuer, not by Us.

Cancelling under Section 5 or termination under Section 7 ends this authorisation. We will not take further scheduled instalments after cancellation or termination takes effect.

You may also withdraw the authorisation by emailing contact@layawayuk.com at least three Working Days before the next payment, or through Your bank or card issuer. Withdrawal does not by itself cancel this Agreement. Missed payments are dealt with under Section 7. No missed or withdrawn payment creates a debt for unpaid future instalments.

4B. Your Layby Statement

At checkout and in the order confirmation We set out:

• a description of the Goods;
• the Total Price, including VAT and delivery;
• that no payment is taken when You place Your order;
• instalment amounts, dates and the final payment date;
• the contractual Cancellation / Termination Fee after the 14-day fee-free period: £30, or 20% of what You have paid if higher, capped at £60 and never more than paid, subject to statutory rights (Sections 5 and 6);
• the £2.50 qualifying failed-payment fee (Section 8);
• that We may terminate for repeated missed payments after the notice process in Section 7 and that the Cancellation / Termination Fee may then apply;
• how to cancel and the model cancellation form (Section 5);
• Your statutory cancellation rights, including post-delivery return rights where applicable;
• that Goods are ordered after final payment (Section 12);
• dispatch within 20 Working Days after final payment (Section 10).

The order confirmation forms part of this Agreement.

5. Cancel anytime; contractual fee-free period; statutory rights

You may cancel this Layby Agreement at any time before dispatch by emailing contact@layawayuk.com or giving Us another clear written statement. You may use the model form below, but You do not have to.

In addition to Your statutory rights, We give You a contractual fee-free cancellation period of 14 calendar days beginning on the date this Agreement is formed.

If You cancel during that contractual fee-free period, no Cancellation / Termination Fee applies, qualifying £2.50 fees are waived, and all payments made are refunded in full within 14 days of You telling Us.

If You cancel after that contractual fee-free period, Section 6 applies only to the extent permitted by law.

You also have rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Nothing in this Agreement excludes or restricts those rights. Where a statutory right gives You a better outcome than Our contractual cancellation terms, the statutory right applies.

Model cancellation form

To Layaway Depot Pty Ltd trading as Layaway UK, contact@layawayuk.com:
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract concerning the following Goods [*]:
Ordered on [*]/received on [*]:
Name of consumer(s):
Address of consumer(s):
Signature (only if on paper):
Date:
[*] Delete as appropriate.

If You exercise an applicable statutory cancellation right after delivery:

• send the Goods back without undue delay and in any event within 14 days of telling Us;
• You bear the direct cost of returning the Goods where the law permits and We gave You the required information;
• We may reduce Your refund for any diminution in value caused by handling beyond what is necessary to establish the nature, characteristics and functioning of the Goods, to the extent permitted by law;
• We may assess that diminution using the condition of the returned Goods and reasonable evidence of their resulting market or resale value;
• We refund within the period required by applicable law.

6. Reasonable Cancellation / Termination Fee

If You voluntarily cancel after Our contractual 14-day fee-free period, or if We terminate for repeated missed payments under Section 7, We may retain a reasonable contribution towards losses and costs directly resulting from establishing, administering and ending Your Layby Agreement, but only to the extent permitted by applicable law.

The Cancellation / Termination Fee is £30, or 20% of the amount You have paid if that amount is higher, up to a maximum of £60.

The fee will never exceed the amount You have paid. It is deducted from money already received and is never taken as a separate card charge.

The amount retained is intended to reflect a reasonable estimate of direct cancellation or termination losses and costs. We will not recover the same loss twice.

This fee does not apply where We cancel for a reason for which You are not responsible, including unavailable Goods, a material pricing or description error, or Our ceasing to trade.

Examples:

• Paid £20 → maximum fee £20
• Paid £30 → fee £30
• Paid £100 → fee £30
• Paid £200 → fee £40
• Paid £400 → fee £60
• Cancel during Our contractual 14-day fee-free period → full refund.

7. Repeated missed payments — termination by Us

If You repeatedly miss scheduled payments, We may terminate this Layby Agreement.

Before termination, We will give You at least 14 days’ written notice and an opportunity to catch up, agree a revised Payment Plan, or cancel Your Layby Agreement.

If We terminate because of repeated missed payments after that notice period, the Cancellation / Termination Fee in Section 6 may apply, together with properly accrued £2.50 failed-payment fees under Section 8, subject to applicable law.

The total amount We retain under Sections 6 and 8 will never exceed the amount You have paid. Any remaining refundable balance will be refunded under Section 11.

No unpaid future instalments become a debt. We will not pursue You for the unpaid balance of the Goods, use debt collection for those future instalments, or report those missed instalments to a credit reference agency.

If We cancel for a reason not caused by Your repeated missed payments — including unavailable Goods where You decline a substitute, a material pricing or description error, or Our ceasing to trade — You receive a full refund of all payments made, with no Cancellation / Termination Fee.

8. Failed payments

If a scheduled payment fails, We may retry it once. If the retry also fails, We may apply a £2.50 administration fee for that scheduled instalment, where permitted by law.

The £2.50 fee may be applied no more than once for each scheduled instalment that fails after the permitted retry. It must not be used as an additional cancellation penalty or multiplied merely to consume Your balance.

The fee is added to the balance for accounting purposes and is recovered only from money already received; it is never taken as a separate extra card debit.

Together with any Cancellation / Termination Fee, retained amounts will never exceed the amount You have paid.

Qualifying £2.50 fees are waived if You cancel during Our contractual 14-day fee-free period.

Your bank or card issuer may separately charge its own fees. Those charges are not imposed by Us.

9. Availability and substitutes

If Goods cannot reasonably be supplied, We may offer a substitute of equal or greater value at no extra cost, or cancel and refund all payments in full.

If You decline a substitute, We refund all payments in full.

Images are illustrative. We may correct genuine typographical, pricing or description errors before dispatch. If a material error affects Your order, We may cancel and refund in full.

10. Delivery

We will dispatch the Goods within 20 Working Days after Your final payment is received. You expressly agree to this delivery period, which will normally be more than 30 days after this Agreement is made.

No delivery occurs before the Total Price is paid in full.

If We cannot dispatch within the agreed period, We will tell You promptly. You may agree a new date or exercise any cancellation right available to You.

Delivery is to eligible United Kingdom addresses only. We do not deliver to the Channel Islands or the Isle of Man.

Delivery is included in the Total Price.

You must give an accurate delivery address and tell Us of changes before dispatch. If Your new address is outside Our delivery area, We may cancel with a full refund.

Risk passes to You when the Goods are delivered to You or a person You identify to take possession.

If delivery fails because of incorrect information or another action by You, reasonable actual redelivery costs may apply where permitted by law. If delivery cannot be completed, We will contact You and deal with any cancellation and refund in accordance with applicable law. Your money is never silently forfeited.

11. Refunds

Where Our contractual cancellation terms require a refund before delivery, We will pay it within 14 days of receiving Your cancellation.

Where You exercise a statutory cancellation right, We will reimburse You within the time and in the manner required by applicable law.

Refunds are normally made to the same card used for payment unless You expressly agree otherwise or that method cannot accept the refund.

We do not charge a separate refund fee.

Any remaining refundable balance remains Yours. We will attempt to contact You using Your latest details. It is never automatically forfeited merely because time has passed.

12. Ownership and risk

You do not acquire ownership or possession of the Goods until the Total Price has been paid in full and the Goods have been delivered. Title and risk pass on delivery.

Until then You have no possession, no title, and no right to sell, assign or dispose of the Goods.

Goods are ordered new from authorised UK retailers after Your final payment and are not set aside from stock when You enter the Layby Agreement.

13. Your information

You must keep Your information accurate and tell Us if it changes. We may rely on Your latest contact details. Our Privacy Policy applies to personal data.

14. VAT and price

Prices include VAT where applicable and delivery within Our UK delivery area. Once Your order is confirmed, the Total Price is fixed and will not increase during Your Payment Plan, subject to any change required by law.

15. Statutory rights

Nothing in this Layby Agreement affects Your statutory consumer rights.

Goods must meet the standards required by the Consumer Rights Act 2015, including being of satisfactory quality, fit for purpose and as described.

Nothing in Sections 5 to 8 excludes or restricts any statutory cancellation, refund, repair, replacement, price-reduction or rejection right that cannot lawfully be excluded.

16. Eligibility

You must be at least 18 years old and resident in the United Kingdom. Goods are for personal, family or household use and not for resale.

17. Our liability

We are responsible for foreseeable loss or damage caused by Our breach of this Agreement or failure to use reasonable care and skill.

We do not exclude or limit liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or Your mandatory legal rights in relation to the Goods.

We are not responsible for business losses because this Layby Agreement is for consumer use.

18. General

If any provision is invalid or unenforceable, the remaining provisions continue to apply.

We may transfer Our rights and obligations under this Agreement provided the transfer does not reduce Your rights. We will tell You if required.

Failure to enforce a provision is not a waiver.

We may change these Terms for future Layby Agreements. Changes will not retrospectively alter an existing Agreement unless required by law or agreed with You.

This Layby Agreement and Your order confirmation form the agreement between You and Layaway UK for Your layby.

This Agreement is governed by the law of England and Wales. If You live in Scotland or Northern Ireland, You retain any right to bring proceedings in the courts available to You under applicable law.

19. Complaints and contact

If something has gone wrong, email contact@layawayuk.com. We aim to respond within 5 Working Days.

We are not currently a member of an alternative dispute resolution scheme. You remain free to obtain independent advice or pursue any legal remedy available to You.

Layaway Depot Pty Ltd trading as Layaway UK
Australian Company Number: 165 233 947
Email: contact@layawayuk.com

Who you are contracting with: Layaway Depot Pty Ltd trading as Layaway UK, a company incorporated in Australia.

Australian Company Number: 165 233 947

Email: contact@layawayuk.com