[access-uk] Re: Payment plans for access technology?

Yes. Bear in mind I don't sell as wide a range of products as the likes of Steve and George etc.
BTW George, I asked my accountant as I was concerned about this, and she said you only need to be registered if you charge interest on your payment plans. She said if they are a straightforward break up of the original cost into more than one payment, then any business can do this. Only when you charge interest or make a final payment demand in excess of the final payment amount do you need to be registered. 


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Barbara Wilson
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----- Original Message ----- From: "Saqib" <saqib500@xxxxxxxxxxx> 
To: <access-uk@xxxxxxxxxxxxx>
Sent: Monday, August 17, 2009 12:20 PM
Subject: [access-uk] Re: Payment plans for access technology?
Hi Barbara. Regarding your earlier post are you offering payment plans for items which have a value above £100? 

--------------------------------------------------
From: "Barbara Wilson" <barkingbabs@xxxxxxxxxxxxxxx>
Sent: Monday, August 17, 2009 11:31 AM
To: <access-uk@xxxxxxxxxxxxx>
Subject: [access-uk] Re: Payment plans for access technology?


Hi Steve
I agree with all this. I've only ever had to chase one customer and if I ever got ripped off then that would be the time at which I would reconsider offering the plan. 


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Barbara Wilson
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E: barkingbabs@xxxxxxxxxxxxxxx
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----- Original Message ----- From: "Steve Nutt" <steve@xxxxxxxxxxxxxx> 
To: <access-uk@xxxxxxxxxxxxx>
Sent: Monday, August 17, 2009 11:29 AM
Subject: [access-uk] Re: Payment plans for access technology?



Hi Martin,
There's a bit more to it than that. A credit card is not secure from the 
vendor's point of view. As a customer, you can block anyone from taking
money from a credit card. So I would say there is no foolproof way to have 
finance plans, without the risk of chasing for payment, especially with
expensive equipment.
For example, if I sold you a KNFB Reader, you activated it, and paid your first month's payment, and no more, we have no deactivation process. With Window-Eyes on the other hand, we can activate it for each 30 days, so if 
you don't pay the following month, it will simply expire.
So there does need to be some protection in place for the vendor as well, if 
the customer defaults.  Yes, we can chase, and take the customer to the
small claims court, or whatever, but it is all costly and time consuming.
Don't get me wrong, not all customers are going to default by any means, but I am just pointing out that it is not just the big bad business out there, taking money off you and not having a payment plan. It is more complex than 
it looks to set it up.

All the best

Steve

-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of 
martin wilsher
Sent: Monday 17 August 2009 11:11
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Payment plans for access technology?

With respect steve, I did not want this to become an attack and defence
discussion of we do this, they do that.  I was putting the idea out for
discussion to those who directly vend, those who resell, and those who
purchase the software or hardware to see what the support was for payment plans, why they were, or were not implemented at this time, etc, etc. For instance, surely, a company, regardless of the products they sell, if they wish, can make payment plans for expencive software/hhardware if they wish, 
with the appropriate safeguards of course, such as taking a credit card
number/direct debit mandate etc, in case of default on behalf of purchaser. 
Thoughts?
-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of 
Steve Nutt
Sent: 17 August 2009 11:01
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Re: Payment plans for access technology?

Hi Martin,

Currently, we only do it for Window-Eyes.

All the best

Steve

-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of 
martin wilsher
Sent: Monday 17 August 2009 10:19
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Payment plans for access technology?

Hi all.

In this time of resession, or at any time really, what with the costs of
access tec being prohibiitivly expencive for most, why are not more
companies iether resellers or at source venders making available payment
plans? I know serotek do various plans for their system access products, and window eyes do their payment plans too, which I believe are supported by 
resellers in both cases, but do any others do payment plans?  Sight and
sound for knfb reader mobile or hjaws for instance? Computer room services 
for knfb reader mobile or braille displays? Thoughts?

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