Littlewoods help!

[FrenchRuby]

I bought a new laptop with buy now pay later on littlewoods. I'm able to pay for it in 3 instalments before the 12 months is up so I thought this an ideal option. I put it in the basket and selected bnpl. On the payment blurb about bnpl it says that if you pay before the 12 months then you don't pay interest, but I've just looked at my balance and its added the interest anyway to my balance! I don't understand, do I pay the original £1,900 or the £3000 that it says on my balance. In so confused. If its the £3000 I'm going to have to cancel my order. (If anyone's wondering why I didn't just save up, it's because my laptop has just died and I need it desperately for uni, I thought I might as well get one that will last me the 3years of uni and beyond). If anyone could shed any light I'd be so grateful.

it better be gold fucking plated for the original 1,900 for a start - jesus christ.

you need to telephone them and speak to a person.

just to add - ive been there - where i needed something and ive paid over the odds, but you can get computers perfectly able to do what you need for around 3-400 quid.

use free ware instead of the packages.

I know I can get cheaper ones but I thought I'd get one that's going to last me and its the best for what I need to use it for (editing). I'm probably going to have to cancel it anyways if it does end up that I have to pay the £3000. Why say no interest if they add it anyway?

it isn't added, it just looks like it is in your account, I do bnpl often and at firth this confused me too but it is all fine as long as its paid before the date specified the interest is NOT paid.

Oh phew brilliant thank you! I can afford to pay it off before the 12 months, I would have waited until then (I was going to buy a MacBook anyway) but my laptop died and I need it for uni so it was an emergency really. I thought I might as well go ahead and get the one I originally planned to rather than buying a cheaper one now and a MacBook later spending more in the long run.

also just so your not alarmed- their pc system adds the interest about 2-3weeks before the date it has to be paid for, again as long as its paid by the specified date it does not add the interest just looks like it does-this scared the hell outa me the first time as I thought id messed up, but its just the way their system works!

But it's added the interest now? I'm so confused!

They hold the interest and it is added to the overall balance but doesn't show up on statement and only added to your statement on the final month but as long as you pay by the final date then the interest will be removed from the overall balance

Thanks :D I phoned to check this morning as well. It'll be paid off about 3 months before the year is up anyway so shouldn't be a problem :)

wow you're rich!

laptops and PCs don't last more than a few years anyway as the industry is moving so quickly.

Not really haha! I've saved some up but not quite all of it.
My last laptop lasted me 5 years, I'm not surprised it died haha

If you pay the 1900 in 3 months you will see in your next months statement that the balance is all paid.

It takes a while to get used to. I always have to check & then double check.