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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