Frequently Asked Questions

We offer this financing option on all orders over £350 with a repayment period between 6 and 10 months.

To apply for financing, you must meet the following criteria:

• Be 18 years old or over
• A resident in the UK for at least 3 years
• You must have a UK bank account that can accept direct debits
• Employed (minimum 16 hours), retired or receiving disability benefit
• Your order must be delivered to your bank account's billing address

When you have made your application to Novuna, they will securely process your application and ensure that you meet the correct credit rating criteria for financing.

During Novuna’s application process, you’ll be asked to provide some basic personal details, including your marital status, residential status, and employment information. You will also need your bank account details, proof of address, and, in some cases, your credit or debit card for deposit payment and ID verification.

The Novuna application process is entirely paperless. Your contract and terms & conditions will be sent to the email address you provide. When applying for finance, you will simply need to enter your credit card details. The applicant must be present at the time of delivery or collection, and you may be asked to present your card or proof of ID when receiving or collecting your order from the store.

Yes, we require 10% deposit to be paid when placing the order.

1. Add the products of your choice to cart and continue to checkout.
   
2. Select "Novuna Personal Finance" as your payment option and click on "Pay Now"
   
3. Fill in the application form with your details. You will usually receive an instant decision from Novuna. If more details are required please contact Novuna directly.
   
4. If you're happy with the terms complete the e-signature process.
   
5. You will receive a confirmation once the whole process has been succesfully completed.

Novuna will process your information and carry out a credit check using an automated system. In most cases, the result is instant; however, if the outcome is inconclusive, a manual review may take anywhere from 30 minutes to 1 day. If necessary, Novuna may request additional information to finalise their decision.

Reasons may include eligibility issues, insufficient credit history, negative credit file information, or unsatisfactory application details. Neither Heze Furniture or Novuna can provide you with the exact reason why your application has been rejected. We advise you to check your credit report before attempting to re-apply.

Yes, you can repay your finance early in full or partially.

If you are unhappy with any aspect of the goods purchased, please contact us:

Phone: 0121 448 70 30
Email: hello@heze.co.uk
Address: Little Fields Way, B69 2BT, Oldbury

If your complaint concerns your finance agreement, we will forward it to Novuna, who will respond within eight weeks.

If you are not satisfied with their response, you can refer the matter to the Financial Ombudsman Service within six months of Novuna’s final reply:

Postal address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Phone: 0300 123 9 123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.test.co.uk