Customer Support

Click here to see our affordability assessment.

Click here to see more about breathing space.

Click here to learn more about CCJ’s.

Click here to learn more about CPA Collections & Card Payments Policy

Click here to find out about early settlements.

Click here to learn more about IVA’s.

Click here to find out about NOSIA & defaults

Click here to view our jargon buster.

Family Finance, the lending partner acting on behalf of Family Vision, conduct affordability assessments as a responsible lender, in line with the rules of the Financial Conduct Authority. Family Finance will use this information to determine whether they think you can afford to repay the credit agreement. An affordability assessment is a straightforward series of questions and checks, to establish that the credit agreement is both right and affordable for you. By reviewing your current income and outgoings, they establish whether your repayments will be sustainable throughout the term of the agreement as where possible they would like to avoid you getting into financial difficulty.

Yes. Circumstances can change and our lending partner, Family Finance, need to establish that the agreement is both right and affordable to you at the time.

Our lending partner, Family Finance’s interest rate is fixed 33% flat per annum. This works out at 73.50% APR over 1 year; 70.20% over 2 years and 66.20% over 3 years. Use our Loan Calculator to see an estimate of your interest and repayments

Representative example

Product price £715.32|Number of months 36|Total amount payable £1,424.44|35 Monthly instalments £39.54|

Finance payment (incl £1 option to purchase fee) £40.54| Rate of interest (fixed per annum 51.88%| Representative Annual Percentage Rate (APR) 66.2%

All credit is subject to an affordability assessment. Written quotations on request. T&C’s apply. 18’s+ only. Please consider whether this product is suitable and affordable to you and think how you manage your repayments if your circumstances change.

We offer a full range of household white goods, furniture, and consumer electronic products. We have friendly staff who will help you choose and can often source a particular product you may have in mind, even if not advertised on our website.

Goods are available for cash or Family Finance credit (subject to status) on flexible terms. Please ask us for more information on 01495 726565 or email fvenquiries@familyvision.ltd.uk. Working with our lending partner, Family Finance, we act as a broker to provide the goods whilst they provide the credit to enable you to get the items you want.

We work with our lending partner, Family Finance, who offer ‘rent-to-own’ hire purchase agreements over a period of 1-3 years for you to purchase Family Vision goods. The exact terms will depend upon your personal circumstances and on the affordability assessment undertaken by Family Finance. This is to ensure the repayments are affordable for you.

This is a type of borrowing called ‘hire purchase’ – you don’t own the goods until you have paid in full. If you fall behind with payments, or have financial difficulties such that you cannot pay, you may be able to return the goods to your lender, Family Finance. They also have the right to repossess the goods if you stop paying.

‘Rent-to-own’ is a specific category of ‘hire purchase’ which has to ensure that the interest rate on the agreement is not too high. The total amount you pay for the goods never exceeds double the cash price (including delivery etc charges). Additionally, the price of the goods is checked against at least 3 other retailers to ensure it is competitive, in a process called benchmarking.

No late or hidden charges apply during your agreement. Delivery Charges Apply – see “What will I pay for Delivery?”

We deliver Monday to Friday.

Delivery charges apply and are as follows:

2024 Prices

• Sofas – £99.00
• Large Furniture, (sofas, beds, dining etc) – £39.95
• Large appliances (white goods, cookers) – £24.95
• TV’s – £19
• American-style refrigeration/Range cookers – £25
• Smaller items of furniture – £49
• Small SDA’s, microwaves, audio, , PC/Tablet/Desktop – £5.22
• Mobile Phones – Free

Delivery charges can be paid upfront or added to the credit agreement with Family Finance. Please note, if the delivery charge is added to the agreement, then interest will also be applied to that. The total amount payable (TAP) will be calculated on the cash price of the goods plus the delivery price (& the option to purchase fee).

We are required by law to set the price of each product we sell in line with other ‘mainstream sellers’ to ensure you pay a fair price. We use a process called benchmarking where we compare every product with at least 3 other national/independent retailers and set the price to reflect this. We do this regularly to ensure you always get value for money when purchasing from us.

You must be over 18 years of age, be a resident within our geographical catchment area and have a regular income. In addition, you cannot have been declared bankrupt nor had a DRO or IVA in the past 12 months. If you have an IVA currently in place, you will need to obtain permission from your IVA supervisor before obtaining any new credit over £500.

You can apply to Family Finance by completing an online application form here, by discussing this with your local agent if you are a current customer, or by calling 01495 726565 and they will explain the easiest way for you to apply.

Our lending partner, Family Finance, offers monthly credit agreements usually over 1-3 years, depending on their affordability assessment and your circumstances.

You will be notified in writing if your application is declined. This will include the reason why.

The cash price of the goods will always be provided up-front. If you want to pay for your purchase with finance from Family Finance, you will pay more. Use the repayment calculator above for the cost of borrowing. There are no initial set up charges and you will never be asked to pay any upfront payments prior to our lending partner, Family Finance, offering you a credit agreement. The only cost is the fixed interest charge and a small ‘option to purchase’ fee with the last repayment

You can make repayments to Family Finance by cash or via a slot meter (which it can install) but many customers now prefer to pay by debit card, standing order or continuous payment authority. Before granting you credit, our lending partner, Family Finance, will need proof of your income and expenditure to assess affordability. If you do not have a bank account, please get in touch with us to discuss options available, as our lending partner, Family Finance, still may be able to help.

You must have a regular income and the ability to repay the loan on time. Our lending partner, Family Finance, will consider current and previous credit history as part of the affordability assessment. We obviously cannot guarantee that everyone who applies will be successful.

Yes. CCJ’s are considered and will be assessed as part of the affordability process, but our lending partner, Family Finance, doesn’t automatically refuse people with CCJ’s.

Yes. All loans are registered by Family Finance with both Experian and Equifax The payment information is then updated every month. The information provided will show whether you are in arrears but will also include whether you have set up an arrangement to pay.

Some goods may already be in stock and will aim to be delivered within 2-5 working days of your credit agreement being signed. Those that need to be ordered in will have individual delivery times which will be discussed at the point of order. For items such as sofas & some furniture this can be up to 16 weeks.

Your first repayment is normally due within 1 month of you receiving the goods.

Just contact Family Finance on 01495 717171 or your local agent and they can ensure you receive a revised settlement figure that may include an early settlement rebate of charges. There is no charge added for early settlement.

This will depend on the circumstances as to why the last loan ran over term and confirmation via the affordability assessment that your current situation will allow for your new repayments to be sustainable throughout the term of the loan and that you are unlikely to get into any undue difficulties.

Not unless the application is a joint application, in which case both applicants are expected to complete the affordability assessment and provide evidence.

Family Finance will require proof of income, such as your most recent wage slip or benefits letter and proof of your regular monthly outgoings (bills etc). They also require proof of ID and address. This can include photographic ID, bank statements, utility bills and benefits letters.

No. There are different payment options available including payment through a standing order, Continuous Payment Authority (CPA), cash, debit card and bank transfer.

There are different payment options available including payment through a standing order, Continuous Payment Authority (CPA), cash, debit card and bank transfer.

No. Debit card only. Family Finance does not allow credit to be used as a method for repaying credit.

Yes, you may choose to pay electronically if you prefer.

If you miss a payment then this can be caught up the next time or during the term of the agreement. If you miss payments you will be contacted by someone within the Family Finance collections team to establish the reasons why and agree on a way to resolve them. Please remember that your payment data is sent to Credit Reference Agencies each month so repeated misses could negatively affect your credit score and consequently your ability to borrow in the future.

No. Our lending partner, Family Finance, does not charge any missed or late payment fees.

Contact Family Finance immediately on 01495 717171. They will show forbearance in these circumstances and will work with you to find a repayment plan that is affordable and allows for your change in circumstances.

Yes, Family Finance will inform two credit reference agencies, Experian and Equifax of your credit agreement details and payment history on a monthly basis. The information provided will show whether you are in arrears but will also include whether you have set up an arrangement to pay.

We would suggest that you contact one of the “not for profit” debt counselling services such as, Stepchange or National Debtline.

Both Family Vision (FRN 730529) and our lending partner, Family Finance (FRN 705451) are authorised and regulated by the Financial Conduct Authority as a credit broker and lender respectively. We are also members of the Consumer Credit Association (CCA). Consumer Credit Trade Association (CCTA) and Finance & Leasing Association (FLA).

We always try to provide the best possible levels of service to our customers but in the event that you are dissatisfied and wish to raise a complaint, you should contact us-
By telephone: 01495 726565
By email at: Complaints@familyvision.ltd.uk
By letter to: FAO Head of Compliance, Family Vision Ltd, 19-21 Commercial Street, Tredegar, Gwent, NP22 3DH

We always deal with your concerns ourselves. However, if you are not satisfied with our final response or if eight weeks have passed since you first let us know about your concerns, you can then ask the Financial Ombudsman Service to review your complaint free of charge. For more details regarding the Financial Ombudsman Service please see below

The Financial Ombudsman Service, Exchange Tower, London, E149SR
Tel: 08000 234567
Email: Complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Click here to see how we can support you in difficult times.

We understand that in some cases it may be beneficial for our customers to gain professional support to help manage the challenges that they face.

We have created a list of organisations providing specialist help, to make it easier for you to get the support you need.

Please view the list below to access contact details and links for a range of professional support organisations, and remember to speak to us as early as possible about your situation. We will always try to help.
Health
Capability
Life Events
Resilience