Helmet, Clothing and Accessories Finance.

Why wait for your motorcycle clothing and accessories? You can spread the cost of your purchase when you spend £750, or more, with only a 10% deposit.

How It Works

We're giving you more flexibility, with interest free credit, so you can pay monthly at no extra cost.

Spend £750, or more, on any motorcycle helmet, clothing, parts or accessories that can be added to the basket on our website and spread your payments over 6 or 10 months with Omni Capital, our payment provider.

Qualifying For Credit

You will only be considered for finance if you:

• Are at least 18 years old

• You have a gross annual income each year of more than £5,000

• Are a permanent UK resident and have lived in the UK for at least 3 years.

• Have a UK bank account capable of accepting Direct Debits

• You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgments (CCJs)

• Provide an email address so your documentation can be emailed to you.

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds.

It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details.

You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours.

If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken approximately 15 to 30 days after you receive your purchase.

This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents.

If you wish to do this please contact J&S Accessories. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy.

Just contact us and we'll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Helmet, Clothing and Accessories Finance Complaints Procedure

Deko always aim to provide consumers with the highest of standards while using their service. However, in the event that they make a mistake or fail to meet your every requirement, they encourage you to get in touch with them so that they can remedy the situation.

Deko would like:

• To receive your complaint or query and understand your concerns.

• To resolve your complaint as soon as possible.

• To make sure you are completely satisfied with how they have handled your complaint.

You can contact Deko Customer Service team by email support@dekopay.com or on 0800 294 5891.

If Deko cannot resolve your complaint right away they will:

• Send you a written acknowledgement within five working days of receiving your complaint.

• Send you a written update after two weeks.

• Send you a full written update detailing where they are after four weeks.

If Deko have been still unable to resolve the matter after eight weeks they will write to you again, with either a final response letter detailing their findings or if they are unable to provide a final response, a letter detailing why they are not in a position to provide a final response.

In the unlikely event, you are still dissatisfied, you are entitled to refer your complaint to the Financial Ombudsman, which Deko will provide details of how to do. This should be done straight away, but must be within six months of the date of their final response.

You must complete Deko's internal complaints procedure before commencing dealings with the Financial Ombudsman Service (FOS).

Financial Disclosure

For helmet, clothing and accessories finance, J&S Accessories is acting as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

 Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.

Motorcycle Finance

Riding away on the bike of your dreams may be easier than you think, thanks to Hire Purchase (HP) or Personal Contract Purchase (PCP) finance agreements.

Hire Purchase

Hire purchase is a way of paying for your bike whilst you ride it.

You pay a deposit and the balance of the purchase price (plus the interest) is divided into equal monthly payments, usually 36 or 48 depending if the contract is for 3 or 4 years.

At the end of the contract, you will have paid off the amount you borrowed in full, the nominal 'Option to Purchase Fee' and own the bike.

How much your monthly payment is depends on the the inital purchase price, how much deposit you put down, the interest rate and the length of the agreement.

With Hire purchase you are esentially hiring the bike for the period of the contract.

You are the 'registered keeper' for the DVLA and and would be responsible for insuring and maintaining it, but the finance company remains the legal owner until the HP agreement has been repaid in full.

So, if you fail to keep up payments the finance company is entitled to seize the bike.

Personal Contract Purchase

A Personal Contract Purchase (PCP) is a financial agreement where you are only paying back the amount that the lender predicts the bike will lose in value over the length of the contract, known as the minimum guaranteed future value (MGFV), minus your deposit and plus the interest.

So, say you get a bike worth £10,000, the finance company predicts that in three years it will be worth £6,000 and you put a deposit of £1,000 down.

The loan would be the £3,000 difference (plus the interest) over 36 instalments on a three-year contract.

At the end of this:

• you can either pay the £6,000 balloon payment (plus the nominal Option to Purchase Fee) and own the bike,

• use the bike as a deposit for another PCP contract on another bike, or

• return the bike and walk away.

With a Personal Contract Purchase you are technically borrowing the bike from the finance company until you pay the final 'balloon' payment and buy it off them, but you are still responsible for insuring and maintaining it.

Personal Contract Purchases usually have a mileage allowance, go over this and you could have to pay an excess mileage charge, and as they are based around the minimum guaranteed future value (MGFV) of the bike, you will need to have a full manufacturer service history and return the bike in a fair condition without any damage at the end of the agreement.

Motorcycle Finance Complaints Procedure

We always aim to provide customers with the highest level of standards for motorcycle finance. However, in the event that we make a mistake or fail to meet your requirements, we encourage you to get in touch with Automotive Compliance so that we can remedy the situation.

Please send details of your complaint to:

Automotive Compliance Ltd,

The Factory,

44 Alfred Street,

Gloucester,

GL1 4DD.

You can also contact them by email complaints@automotive-compliance.co.uk or on 01452 671560.

If they cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0800 023 4567 or 0300 123 9123 or you can visit their website at www.financial-ombudsman.org.uk

Financial Disclosure

For motorcycle finance J&S Accessories Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows J&S Accessories Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders.

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.