Understanding my agreement

If you change your mind, you can withdraw from the finance within 14 days starting the day after you sign the agreement – or when we confirm to you in writing that you've entered into the agreement, if this is later.

To withdraw from your finance get in touch on 0800 15 22 888 * or write to us at: Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP. Our opening hours are Monday to Saturday 09:00 – 18:00.

If you withdraw from the finance and we've already paid the retailer for the goods/services, you'll have to repay the value of the goods/services (plus any services or insurance) to us. You need to do this within 30 days of the date you asked to withdraw from the finance, and we won't charge you interest or other charges during that time. If you don't pay all amounts due in full, the finance will continue. However, if you do the goods will belong to you.

No. If you withdraw from the finance your purchase from the retailer is not also withdrawn/cancelled. You will need to pay for the goods/services or contact the retailer directly to cancel your purchase (if possible).

If you’re still not happy with how things turn out, get in touch with our team on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.

Your payments will usually begin one month after your finance start date – unless you have a deferred product, such as 'Buy Now, Pay Later' finance. Details can be found in your credit agreement, or in the welcome letter we send you on your account start date.

As long as we hold a valid mobile number for you, you'll received a first payment reminder by text message, five days before your payment is due.

We request that all our customers pay us by Direct Debit.

You can change your payment date by contacting us on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.

Please note:

• payment dates can only be changed once within a 12-month period.
• we have to receive a payment each calendar month by the agreed payment date
• depending on the type of your account, you may end up paying more interest if you change payment dates.

Before getting in touch with us, please give the retailer a chance to sort things out. Explain to them what’s happened and how you'd like things put right.

If you’re still unhappy with how things turn out, give us a call on 0800 15 22 888 * and we'll see how we can help. Our opening hours are Monday to Saturday 09:00 – 18:00.

If you’re worried about fraud, or believe you may have been the victim of fraud, please give us a call on 0800 15 22 888 *. Our opening hours are Monday to Saturday 09:00 – 18:00.

Before you call, please check who's providing your finance. If you recently purchased something with monthly payments, it may be us providing the finance. Check your welcome letter to see which store the finance was taken in – if you're still concerned, please get in touch with us.

Once you have spoken to us you will need to complete a fraud disclaimer form. Please only complete the form if you have been guided to do so by one of our agents and we have already taken a record of the information from you. If you do continue to send without speaking to us first, we will be unable to continue our investigation.

Should the form not be returned within 28 days of speaking to us, we shall assume that you no longer wish to pursue the claim and any outstanding balance will be reapplied. In the meantime, you will not be billed for the queried finance.

Once we have completed our investigation we will contact you either by telephone or in writing to let you know our decision and what happens next.