Wednesday, July 21, 2010
Balance Parcel Layaway Plans
Balance Parcel Layaway Plans
Layaway is a handy way of purchasing goods if you do not have the full cash price at the time.
The average layaway plan works like this:
You pay a deposit stipulated by the store's policy;
The seller removes the items from display and puts them aside for you;
You pay off the balance within a specified period of time agreed upon by the Manager;
You only receive the items when you've paid off for them; Until that time, the seller retains ownership of the product.
The payment system can vary. You can make:
Regular fixed payments – e.g weekly or monthly;
Irregular payments – whenever you have the money within your paying off period;
One lump sum payment at the end of the layaway period.
Be sure to confirm with the seller how you intend to pay off your balances.
Remember, you don't have to pay more than the original price for the goods. In some instances, storage fees can be charged for items that are large or need special storing. Enquire if there are additional costs for this.
Always remember to obtain official records of the payments you've made and the dates on which they were made.
Ensure that you get a receipt for each payment made and keep it safe – it is your only proof of payment.
Find out how you will be compensated in the event that you lose the item you are paying for, due to theft, fire, or other related occurrences.
Be wary! You may be
conducting this transaction at
your own risk.
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