[access-uk] Re: Payment plans for access technology?
- From: "Steve Nutt" <steve@xxxxxxxxxxxxxx>
- To: <access-uk@xxxxxxxxxxxxx>
- Date: Mon, 17 Aug 2009 13:09:25 +0100
Hi Barbara,
Are you saying then that you do this and don't charge any interest? So you
buy the item up front and give the customer three months to pay for it? So
that's three months potential interest you are losing on the item. How do
you afford it?
All the best
Steve
All the best
Steve
-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of
Barbara Wilson
Sent: Monday 17 August 2009 12:23
To: access-uk@xxxxxxxxxxxxx
Subject: [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.
Find me on Twitter http://www.twitter.com/barkingbabs
Barbara Wilson
M: 07917710779
T: 02887784046
E: barkingbabs@xxxxxxxxxxxxxxx
IM: creativeeyes@xxxxxxxxxxxxx
Skype: creativeeyes
----- 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.
>>
>>
>> Find me on Twitter http://www.twitter.com/barkingbabs
>> Barbara Wilson
>> M: 07917710779
>> T: 02887784046
>> E: barkingbabs@xxxxxxxxxxxxxxx
>> IM: creativeeyes@xxxxxxxxxxxxx
>> Skype: creativeeyes
>>
>> ----- 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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