"Working day" shall mean any day excluding Saturdays, Sundays and public or bank holidays.
1.These conditions shall apply to all of the company's quotations and contracts, orders (including telephone, facsimile transmittal, postal and internet orders) for the sale or supply of goods accepted by the company. For the trade buyer, any other terms or representations, whether implied by statute, made prior to, collateral with or subsequent to the contract or order are hereby excluded and shall not be binding upon the company.
2.Brochure descriptions, Web Site information and samples on display are indicative only and any specifications, weights, measurements and technical data (whether relating to performance or otherwise) have been prepared by manufacturers and are for guidance only. Additionally, parts or components pictured or described within brochures or websites are for illustration purposes only and may vary in size, specification, colour and fitment dependent up the make and model of your vehicle. Buyers are therefore required to check current specification, colours, weights and measurements with manufacturers or the Company, prior to order. Manufacturers also allow tolerances within the manufacture of their products and also reserve the right to amend specifications, without notice, in order to improve products or where amendment becomes necessary. Manufacturers may also alter specifications to improve products and the Company shall endeavor to inform the Purchaser of any such amendment or change.
3.The company reserves the right to amend technical or clerical errors in any order without notice. In addition, the buyer shall ensure that all details contained within the order are correct prior to submission to the Company. Subsequent to delivery, the Company shall accept no liability for any error or inaccuracy in order unless notified of such error within seven days of delivery/receipt of any document containing the said error.
4.Delivery charges and estimated timescales are specified in the shipping options section when you place an order. We make every effort to deliver goods within the estimated timescales; however delays are occasionally inevitable due to unforeseen factors. 2 Wheels Only shall be under no liability for any delay or failure to deliver the products within estimated timescales.
5.Risk of loss and damage of products passes to you on the date when the products are delivered or on the date of first attempted delivery.
6.Unless otherwise stated, all shipments will be dispatched within 48 hours and the transit time dictated by the courier chosen, please contact us should you require another shipping method.
7.Payment. We take payment from your card at the time we receive your order, once we have checked your card details and stock availability. Goods are subject to availability. In the event that we are unable to supply the goods, we will inform you of this as soon as possible. The option of waiting for stock or receiving a full refund will be given where you have already paid for the goods.
7.1.To ensure that your credit, debit or charge card is not being used without your consent, we will validate name, address and other personal information supplied by you during the order process against appropriate third party databases. By accepting these terms and conditions you consent to such checks being made. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information. You can rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the relevant UK Data Protection Act.
7.2.While we try and ensure that all prices on our website are accurate, errors may occur. If we discover an error in the price of goods you have ordered we will inform you as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you we will treat the order as cancelled. If you cancel and you have already paid for the goods, you will receive a full refund.
7.3.Payment can be made by credit card, debit card or PayPal. Some credit facilities may be available for your purchase, dependent upon your order value and other conditions, available upon request.
14.All guarantees for products are provided entirely by the manufacturers/UK importers and are subject to terms contained therein. Purchasers are reminded to complete and return all warranty cards/documents upon receipt of goods where appropriate.
2 Wheels Only
Unit R Riverside Ind Est
Athersone Road
Fazeley
Tamworth
B78 3RW
VULNERABLE CUSTOMER POLICY
OUR PROCESS FOR DEALING WITH POTENTIALLY VULNERABLE CUSTOMERS
A person is unable to make a specific decision if he cannot understand information about the decision to be made, cannot retain that information in his mind, cannot use or weigh that information as part of the decision-making process, or cannot communicate his decision.
A person with mental health problems who is in debt is particularly vulnerable due to (potential):
- ● Lack of money management skills
- ● A reliance on benefit income
- ● Fluctuations in income or inability to work
- ● Unmet housing, care or treatment needs
- ● Poor communication skills
- ● A relationship breakdown
Assessing a person’s mental health is complex but needs to be recognised in early contact and addressed appropriately. If we believe a person may be vulnerable, we will ask 3 key questions: - Does your mental health affect your financial situations?
- Does it affect your ability to deal with or communicate with us?
- Does anyone help you to manage your finances such as a family
member?
- Signs we look out for when identifying vulnerability in customers:
- ● Do they ask you to speak up or speak more slowly?
- ● Do they understand what you are saying, or do they miss important bits?
- ● Do they appear confused about what is being offered?
- ● Do they ask any unrelated questions?
- ● Do they keep wandering off the point in the discussion and talk about
irrelevant things or things that don’t make sense? - ● Do they keep repeating themselves?
- ● Do they take a long time to answer questions or say that someone else deals
with these things for them?
- ● Do they have a language barrier?
- ● Do they say they don’t understand their bank statements, a previous phone
conversation or recent written correspondence?
Steps we take if we believe a customer may be vulnerable:
- ● We speak slowly, clearly and explain fully
- ● We are patient and empathise where appropriate
- ● We don’t rush as it may sometimes take the customer time to get relevant
information together such as account details - ● We keep on the subject under discussion
- ● We do not make assumptions about a customer’s needs
- ● We clarify understanding at every point and always ask if there is anything
else he would like us to explain - ● We ask the consumer to explain to us what he understands the agreement to
be - ● We offer alternative types of communication – phone, post, email, in person
- ● We do not make assumptions that the person we are dealing with is sighted
as he may be unable to read or understand serial numbers or account
numbers - ● We do not make assumptions that the customer we are talking to can hear
everything we say as he may have a hearing impairment - ● We always remember that the customer we are speaking to may sometimes
be forgetful or overly trusting and believe that a sales representative is always
acting in his best interest - ● We understand that some customers may be lonely and welcome the
opportunity just to talk to someone - ● We give the customer time to explain his circumstances fully and don’t
interrupt or appear impatient - ● We also listen for what is NOT being said, for example, lack of questions
about price, lack of commitment, timing of responses, extended silences - ● We always ask if there is a better time to discuss matters as some customers
may perform better at different times of the day - ● We ask if there is anyone else the customer may need to talk to before
making the decision
Prior to forming the contract:
● We ensure that the consumer demonstrates that he has an understanding of the decision he needs to make, why he needs to make it and that he understands the consequences of making, or not making that decision.
- ● We ask if he needs to discuss the matter with anyone else, or if he would like us to explain anything else, or if there anything else we can do further to help
- ● We are always prepared to repeat anything to clarify understanding
- ● We do not assume that the customer fully understands all the implications of
the agreement and explicitly and clearly confirm all the key features - ● We suggest that he talks it through with someone else and offer to re-contact
him. If appropriate we suggest that a third person could be present
Post Contract: - ● If we identify particular communication needs, we store that information so future contacts are handled appropriately with his permission
- ● We record that we are satisfied that the customer completely understood everything that was discussed
- ● We allow customers to make a personal declaration about his capabilities or communication needs and store this information with his permission
- ● Any records that are held are with the full knowledge and consent of the customer and are deleted when the relationship no longer exists in accordance with GDPR.
If we identify a customer who may be in need of specialist advice which we are unable to offer:
- We will refer them to, or we will seek guidance from an appropriate organisation such as:
- Stepchange
- Moey Advice Trust
- CAB
- Samaritans
- Age UK Alzheimers Society Mind
Sources of guidance we refer to:
Equality Act 2010
Mental Capacity Act 2005
CONC 2.10 Contact with customers
Mental Capacity Guidance
Irresponsible Lending Guidance
MALG Consumers with mental health problems & debt MALG 12 steps to treating vulnerable consumers fairly
Shop now, pay with Klarna.
We’ve partnered with Klarna to give you a better shopping experience.
It’s smoooth and simple
When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase.
Pay in 30 days
Get what you love today and pay up to 30 days after placing your order. No upfront payments.
Pay in 3 instalments
Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest.
How to shop with Klarna
Add item(s) to your cart and head to the checkout.
Select Klarna at the checkout to pay as you like for your purchase.
Manage your orders and payments in the Klarna app.
The best way to shop.
See all of your purchases in one place, pay any open balances, explore unique content and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, our Customer Service is there for you.
Safe and secure.
Klarna has strong anti-fraud controls in place to protect our customers and prevent fraudsters from making unauthorized purchases.
Frequently Asked Questions
Don’t see your question here? Visit our FAQ page to find out more about using Klarna. You can reach Klarna at https://www.klarna.com/uk/customer-service/ or by downloading the Klarna app.
What happens if I make a return?
If you return some or all of your order, Klarna will issue you with a new statement as soon as the online store processes your return. Follow the retailer's return instructions and make sure to keep the tracking number of your return. Log into your Klarna account and select “Report a return” so that your statement is paused. As soon as the retailer has registered your return, we will send an adjusted invoice.
There's something wrong with my order. Do I still need to pay for it?
You do not need to pay for goods that are received damage, broken or faulty. Follow the retailers dispute instructions and make sure to “Report a problem” in your Klarna account to pause your statement until you’ve resolved the dispute with the retailer. As soon as the retailer has registered your cancellation or your return, the refund will be processed within 5-7 business days.
I have not received my order. What happens to my statement?
You do not need to pay the statement until you have received your order. Contact the retailer for an update on the delivery. Make sure to log into your Klarna account and “Report a problem” to pause your statement until you’ve received your order.
My statement is incorrect. What should I do?
If your statement does not match your order details, please contact the retailer directly for a correction of your statement. Make sure to log into your Klarna account and “Report a problem” to pause your statement until the details have been corrected.
What happens if I don’t make a Pay in 30 days payment on time?
Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditionshere.
What happens if I don’t make a Pay in 3 payment on time?
Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs.
About Klarna
Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.
Right now, over 147 million people worldwide use Klarna at over 400,000 online stores.
https://www.klarna.com/uk/about-us/
Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.
Klarna Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Klarna Bank AB offers both regulated and unregulated products. Klarna's Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA.
Klarna Bank AB (publ) registered and head office: Sveavägen 46, 111 34 Stockholm, Sweden. A Swedish public limited company registered with the Swedish Companies Registration Office with organisation number: 556737-0431
https://www.klarna.com/uk/terms-and-conditions/
About Novuna
When taking out finance with ourselfves please be aware of the following:
“We do not charge you a fee for our services. Whichever lender we introduce you to, we could receive an agreed percentage of the amount you borrow.” Although this is an option that is offered by our finance provider it is not an option that 2 Wheels Only Offers its customers.
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
What to do if you can't reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.
They can be contacted in the following ways:
• Write:Financial Ombudsman Service, Exchange Tower, London, E14 9SR