The retailer can also cancel the lay-by agreement if you don’t stick to the agreement to make payments on time. When I was speaking to various people about this issue, they warned me never to enter into a lay-by agreement for unseen goods that are being made or that are on order.
You may find that when you are buying furniture you have the option of getting it made in a certain way, like having couches covered in a particular fabric or a dining table made to a certain size. The Department of Fair Trading also advises against entering into a lay-by agreement for unseen goods;
Instead, you should wait until the goods arrive in the store so that you are certain that they are what you want. When my friend Amy decided to move in with Belinda and Sarah, the three of them sat down and worked out what furniture and appliances they could bring to their new place.
They decided that instead of buying things together, it would be a lot simpler if they each bought one big thing. That would make things a lot easier when the time came to move out. They agreed that Belinda would buy a television, Sarah a washing machine, and Amy a fridge.
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