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24studio.co.uk cost of monthly payments


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Old 20-11-2009, 16:06
djfrancis
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Hiya,
I was wondering if i bought something for 99 but had a 30 delivery cost how much would i be paying a month as i don't have the catalog to check out my self i am ordering online.

Thanks
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Old 20-11-2009, 16:18
russellelly
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It'd depend on how long you were paying up over - or do you mean the minimum payment?

Their interest rates are fairly spectacularly high, looks like they're best avoided if possible.
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Old 20-11-2009, 16:25
djfrancis
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I have ordered off them before with no problems that's when i bought my boyfriend a pair of trainers but i am looking to find out the minimum payment for a Body Sculpture Dual Action Air Elliptical Cross Trainer. Whats the best website to use to buy that kind of equipment?

Thanks Denise
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Old 20-11-2009, 16:45
snoopy33
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Hiya,
I was wondering if i bought something for 99 but had a 30 delivery cost how much would i be paying a month as i don't have the catalog to check out my self i am ordering online.

Thanks
I read on moneysavingexpert last week that this comp should be avoided for various reasons including poor customer care, etc.
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Old 20-11-2009, 16:54
IWantPVR
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Can you afford 95 cash?

http://www.optimafitness.co.uk/shopscr583.html

If you have to go with the catalogue it'll be 129 divided by the number of weeks.

20 weeks is 6.45

38 weeks is 3.40

If I bought exercise kit on weekly payments it'd be in a corner gathering dust before it was half paid.
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Old 20-11-2009, 17:23
djfrancis
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To be honest since it's near Christmas 95 is a bit too much to be spending on my self but them monthly payments of 6.45 is making me want to order it, i may just wait until the January sales
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Old 20-11-2009, 17:33
haynat1
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that is a weekly payment 6.45
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Old 20-11-2009, 17:38
djfrancis
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Oh sorry i read it wrong. 25.80 a month isn't too bad, i think. But as i said i may just wait for the sales as 24studio have had some bad reviews, i never thought they where that bad.
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Old 20-11-2009, 18:02
ikkleosu
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Oh sorry i read it wrong. 25.80 a month isn't too bad, i think. But as i said i may just wait for the sales as 24studio have had some bad reviews, i never thought they where that bad.
They are not bad if you buy and pay straight away, but spreading the cost is a nightmare and they whack on huge charges for late payments etc.
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Old 20-11-2009, 20:00
pinkpowerranger
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Yeah while most catalogues usually give around 3 months interest free to pay (more depending on how much you spend) Studio start with the interest after the first payment. Perhaps one of the other catalogues has one.
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Old 20-11-2009, 20:35
kyresa
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What's that new littlewoods company that you can pay over 3 installments with?


CDiscount used to do 3 easypayments but they stopped it for some reason!
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Old 20-11-2009, 21:01
snoopy33
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CDiscount used to do 3 easypayments but they stopped it for some reason![/quote]

CDiscount have gone bust have`nt they?
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Old 20-11-2009, 21:21
kyresa
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CDiscount have gone bust have`nt they?
http://www.cdiscount.co.uk/home.html

working for me....

OOh.. just reading about the liquidation thing!!!

Blimey, I had a laptop and playhouse from there... and had 28 account credit.. better use it now!
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Old 20-11-2009, 21:32
Gogfumble
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The littlewoods company that does 3 payment options is Very.
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Old 20-11-2009, 22:24
IWantPVR
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Yeah while most catalogues usually give around 3 months interest free to pay (more depending on how much you spend) Studio start with the interest after the first payment. Perhaps one of the other catalogues has one.
In that case it would work out more than 6 a week.

Do we know the interest rate?
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Old 20-11-2009, 22:27
Gogfumble
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In that case it would work out more than 6 a week.

Do we know the interest rate?
29.5% or 44.9% APR depending what option you take:

http://www.24studio.co.uk/ss/help/he...e=faq#account1
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Old 21-11-2009, 13:20
djfrancis
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I think if i was going to order from 24Studio I'd go with 29.5% APR to start off with and after Christmas when I do have the money I'll just pay the rest off all in one

Denise
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Old 21-11-2009, 20:51
IWantPVR
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44.9% OMG!

I calculate that on that plan paying 2.9% a month and with them adding 44.9% a year you will never pay this off and balance will constantly increase.

With a starting balance of 129.99, after five years you will have paid them 298 and still owe them a balance of 216!

OP, If you can't afford the 95 now to buy this in one payment then don't bother as you'll never be able to afford to repay your balance to 24Studio.

If you must use them make sure you repay at least 8 a month and you should be clear in 2 years having paid them about 208.

Better still pay them 75 a month and you'll be done in 2 months.

95 still sounds cheaper!
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Old 22-11-2009, 02:23
Sarahnash1988
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The littlewoods company that does 3 payment options is Very.
I dont rate 'Very' I never understood the 3 payments and just ended up paying interest with them. Littlewoods, Choice, Empire are the ones I use. Interest free under 50 over 20 weeks and over 50 interest free for 52 weeks.
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Old 22-11-2009, 08:36
kyresa
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I dont rate 'Very' I never understood the 3 payments and just ended up paying interest with them. Littlewoods, Choice, Empire are the ones I use. Interest free under 50 over 20 weeks and over 50 interest free for 52 weeks.

They're all the same company anyway!

Did Very not just take the 3 payments out automatically? That's how CDiscount used to work (shame they've gone under!!)
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Old 22-11-2009, 09:22
2shy2007
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Very is very good thye are offering buy now pay next Nov on all orders, great for spreading things out, plus you get the flexi account in which you choose each month whether to go interest free, pay the interest for less payment, or pay the full amount.
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Old 22-11-2009, 12:18
Gogfumble
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They're all the same company anyway!

Did Very not just take the 3 payments out automatically? That's how CDiscount used to work (shame they've gone under!!)
That's how it worked with me too. I have a direct debit set up so it just took what it needed when. And if you don't have a direct debit set up, as long as you pay what it says on your statement for the take 3 amount by the time it says then you won't pay any interest.
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