Page 1

Your Account Number: 02646035

Summary No: 12

Summary Produced on: 26 Dec 09

Miss F Lumande 6 356
Flat 18 Upton Court Blean Grove ANY NEW TRANSACTIONS AFTER THIS DATE WILL
APPEAR ON YOUR NEXT SUMMARY
London
SE20 8XD 67943
BUY NOW PAY SEPTEMBER 2011†
(SE208XD1NA)
Buy now, pay much later! Have what you want right now
and don’t pay a penny until September 2011. Quote
XV300 when you place an order for £50 or more before
30th September 2010 with 104 and 156 week terms.
Either pay the balance before the end of the BNPL
period and avoid interest or pay it off over the next 2 or 3
years, 29.9% APR typical . Full details overleaf.†

YOUR SUMMARY
Date Description Amount

Your minimum Your Total from Last Month £188.16

payment
£36.12 19 Dec 09 Payment Received £24.40 - Thank You
19 Dec 09 Payment Received £10.00 - Thank You

Total Payments Received

Each payment received has been split and is shown as an individual payment applied on £34.40 CR
your statements.

Purchases, Charges and Adjustments £79.00

Your overall credit limit
£275.00 Total Transactions £79.00
This is the summary of all the items ordered, returned or any other adjustments in the
month.

26 Dec 09 Your New Total £232.76

Available to spend
today
£42.00

Your minimum payment of £36.12 is due by 16 Jan 10, so please allow enough time for it to
Your current total reach us. If posting, mail by 11 Jan 10; for all other payment methods pay by . Late or
£232.76
insufficient payments may incur a default charge.

For a quick and easy way to pay or place an order, go to www.kays.com or call 08448 111 800

3005R/01/10092010/006/0/5 006028-01-04
 Choose how you want to pay!
NEVER MISS A PAYMENT PAY WHEN YOU'RE OUT AND ABOUT
By Direct Debit Pay at your local PayPoint
Call us with your bank sort code, account number and the address of Take your payment slip, and cash up to £99 to any PayPoint outlet. A small
your bank, and we’ll set it all up. charge of 50p per payment will be added to your account and will appear on
your next statement. You may wish to add 50p to your payment to cover this.

VIA OUR WEBSITE At the Post Office

Online
Make your payments online 24 hours a day, 7 days a week. Just go
to www.kays.com and click on ‘My Account’
PAY FROM THE COMFORT OF YOUR OWN HOME
Home Banking
Speak to your bank quoting our sort code ‘62-30-29’, our bank account
number 000 000 00 and your personal 8 digit account number found at
the top of your statement.
By Phone 08448 111 800
Automated lines open 24 hours a day, 7 days a week
Take your payment slip and payment to any Post Office. A small charge of 50p
will be added to your account and will appear on your next statement. You may
wish to add 50p to your payment to cover this. Please make cheques payable
to Post Office Ltd.
At your Bank or Building Society
Take your payment slip and cash or cheque to your bank or building society.
Please make cheques payable to Kays. Please note, not all banks offer an
over the counter bill payment service.
By Post
Complete the payment slip and send it with your cheque to Payment
Department, Sandringham House, Sandringham Avenue, CHELMSFORD,
CM92 1LJ. Please make cheques payable to Kays and write your account
number on the front of your cheque. Please note – all cheques are cashed on
receipt; we do not hold postdated cheques.

Please allow 7 days for payment by post and 4 days for all other payment methods.
 Page 1
Your Account Number: 02646035

Summary No: 12

Miss F Lumande 6 356 Summary Produced on: 26 Dec 09

Flat 18 Upton Court Blean Grove ANY NEW TRANSACTIONS AFTER THIS DATE WILL
London APPEAR ON YOUR NEXT SUMMARY

SE20 8XD 67943

YOUR SHOPPING ACCOUNT STATEMENT

Date Item No Description Amount

Your Shopping Account Total From Last Month £188.16

Payments Applied
19 Dec 09 Payment Applied £34.40 CR
Items You've Ordered
10 Dec 09 PQ01016 Philips 7" Portable Dvd Player - £79.00
26 Dec 09 Your New Shopping Account Total £232.76

If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a
specific order, which is set out on the reverse of your shopping account statement.

MINIMUM PAYMENT

If you make only the minimum payment each month, it will take you longer to clear your balance.

3005R/01/10092010/006/0/5 006028-03-04
 Automated Customer Service Line

08448 111 800

You can use this service to: •Make a payment •Check your balance •Arrange a return.
Calls made from BT landlines will cost no more than 5p per minute. Charges may vary from other service providers. Lines open 7am to 11pm, 7 days a week.

Allocation of payments
Happy with our Service?
Your Shopping Account
We always aim to provide quality goods and first class service
If you do not pay the total outstanding balance of your account in full by the but recognise that, on occasion, you may have cause for
payment due date, we will apply the amount you do pay to reduce what you owe in complaint. If you wish to provide feedback on any aspect of our
the following order: service or goods we provide, you can either:
Any payments up to the minimum payment; • Call us on 08448 111 800and ask
1. any Payment Protection Insurance premiums and then other insurance to speak to an advisor, or:
premiums (including, first, any arrears), • Contact us through our website at
2. any default charges and then any other charges (including, first any arrears), www.kays.com
3. any other arrears or overdue sums on the account,
4. the part of the total minimum payment due in respect of 20 week purchases
and the part of the total payment due in respect of extended plans pro rata. Dispute Resolution
If you have a problem with your agreement, please try and
Any payments in excess of the minimum payment;
resolve it with us in the first instance. If you are not happy with
5. 20 week purchases, the way in which we handled your complaint or the result, you
6. the shortest of your extended plans. If you have more than one plan of the
may be able to complain to the Financial Ombudsman
same duration we will apply payments to the highest interest rate plan, and if
Service. If you do not take up your problem with us first you
there are more than one of equal duration and equal interest rate, we will
will not be entitled to complain to the Ombudsman. We can
apply to the oldest plan.
provide details of how to contact the Ombudsman.
Extended Terms
If you have any separate Extended Term Agreements, payments will be allocated
between agreements as follows: Identity theft: Shop with Confidence
i. to insurance premiums and charges on your Shopping Account, as specified
at 1 and 2 above. We take security of your personal data very seriously and we
ii. pro rata between the balances due on 20 weeks and extended plans on would never ask for your account details by email. If however
Shopping Account and on the separate Extended Term Agreements. you feel your details have been compromised, contact our
iii. if you pay more than the minimum payment, all the excess will be applied in dedicated Identity Theft Team, where you will be assigned a
paying off the separate Extended Term Agreements in full before then being personal case worker who will deal with the matter for you.
applied as specified in 5 and 6 above. They can be contacted at; Identity Theft Team, Sandringham
House, Sandringham Avenue, Chelmsford, CM92 1LR, 0800
We may change this order for specific promotions, and if we do so we will tell you 0151 290 or alternatively you can complete an ID Theft Form
when we give you details of the promotion. on the website.

Can we help? IMPORTANT INFORMATION

Regarding Insurance Cover
Some frequently asked Questions and Answers
on Your Account
Q: How much do I have to pay? If you have one of our Insurance products covering your
account, e.g. Shopping Insurance, Extra Care Advantage,
A: You can pay as much as you like, but you must pay AT LEAST the minimum, Account Cover Plus, it is important you periodically check your
which is clearly shown overleaf. policy documents to ensure that the cover is still right for you.
Q: I've returned some goods but they don't appear on my statement?
You need to be aware that:
A: The date your statement was produced is shown overleaf. Any items received
back into our Returns Centre after that date will be shown on your next • Depending on the cover you have it will change when you
statement. reach 65 or 75.
Q: How can I check my up to date statement details?
• If you fall 3 months into arrears on your account, your cover
A: The simplest way is to go online at www.kays.com and click on My Account – all will be automatically suspended and only reinstated once
your details including your most recent transactions can be viewed here. your account is no longer in arrears and you have started
Alternatively you can phone our query line shown on the front of your statement. making the scheduled payments again.

Q: My amount left to spend is lower than my credit limit less my current • Good News: if you haven’t shopped with us for a while and
balance. you have one of our Insurance products covering your
account, your cover will continue as soon as you start
A: If you have bought items on Buy Now Pay Later, or have any other uncharged shopping again.
items, these will reduce what you have available to spend, even though no
payment is yet required for those items. If you would like any further information or require a copy
Q: When will I be charged for Buy Now Pay Later (BNPL) purchases? of your policy document, please go online, refer to the
"Buying Insurance Through Us" section in the catalogue
A: For payment to reach us in time, any Buy Now Pay Later will be charged to your or contact us directly.
account and appear on your statement the month before it is due. So for
example a Buy Now Pay January would be charged to your December account.

Shop Direct Financial Services Limited has assigned and transferred your Kays account(s), including the outstanding balance and its rights in relation to the
account(s), to Shop Direct Finance Company Limited ("SDFC"). SDFC will now provide your Kays account(s).

Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL.
Authorised and regulated by the Financial Services Authority in respect of arranging insurance products.