Klarna FAQ’s

Klarna FAQ’s

Who is Klarna?

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Pay later in 3 interest-free instalments work?

Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Gates and Fences UK and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.

Am I eligible for Pay later in 3 interest-free instalments?

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later in 3 interest-free instalments?

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous order history and item
availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free instalments by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

What do I need to provide when I make a purchase?

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you’ll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.

Will a credit search take place against me?

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Gates and Fences UK run credit searches against you that could impact your credit rating.

Why have I not been offered Pay later in 3 interest-free instalments?

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.

What are my payment options with Klarna?

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

What happens if I cancel or return my order?

As soon as Gates and Fences UK have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.

What happens if I don’t pay for my order?

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Gates and Fences UK from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.

I have been asked to go to the Klarna site. Is this correct?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging onto Klarna.com/uk.

Is my payment information safe?

Payment information is processed securely by Klarna. No card details are transferred to or held by Gates and Fences UK. All transactions take place via connections secured with the latest industry standard security protocols.

Can I pay before the due date?

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Have you received my payment?

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

What happens to my statement, when I’ve returned the goods?

Once Gates and Fences UK has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.

I’ve received a statement, but I’ve not yet received my goods.

In the event that your goods have not been received please call Gates and Fences UK to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have asked for a refund. How will I be refunded?

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

I haven’t received an email with my statement/payment information.

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

I still have questions regarding payment, how can I get in touch?

Visit Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.

WHAT OUR CUSTOMERS ARE SAYING

Stunning service from start to finish with text and mail updates on build progress, Then when the gate arrived I was really pleased with the quality of the build. Would buy again.

Stuart Steadman

Trustpilot

This is the second gate we have bought from Gates and Fences. We were very happy with the first although the queue at that time was long, they kept in touch all the way until it was delivered as and when promised.

We like the quality and finish of the first so felt quite happy to wait for the second and we were delighted when it was promised and also delivered in a much shorter timespan.

Communication throughout the process was excellent and the care taken to ensure that our order was accurate and contained everything we needed. Well Done!

Stephen Cook

Trustpilot

Quality product and excellent service. Very pleased with my new side gate which is solidly built and will clearly last many many years. The ordering process was efficient with clear and helpful responses. I’d definitely use this firm for any future needs.

Lance Pitts

Trustpilot

Easy to use website, well followed up with email progress reports as build progressed. Arrived on promised date, friendly crew unloaded gates.
Builder confirmed good quality gates and hinges/fittings also look good. Gates have now been installed and we are very pleased with the way they enhance the kerb appeal of our house.

Harry Richardson

Trustpilot

I received regular updates on progress hence able to plan fitting easily (gate is for busy hotel) The gate was well packaged, everything was present and correct. Build was very good, it’s a decent weight and I think it’ll prove solid enough to cope with the use it’ll get for many years.
Visually it’s excellent and has already drawn several admiring comments.
Overall a super service and quality product.

Paul Burrough

Trustpilot

Very pleased with my gate purchase worth paying the extra for a quality and sturdy gate.
Made to measure and fits a treat. Communication and update along the way was excellent,never known a business keep you as well informed as Gates and Fences.
Delivery was spot on tracked to my door. Recommend to all and if needed would definitely buy from this firm again.
Many thanks

Gary Rawlings

Trustpilot

Very rarely these days do you get great service and a great product.
From initial contact to manufacturing and Subsequent delivery I was kept up to date. Paul Jones was very helpful and patient and gave excellent help re how to size etc prior to ordering.
Installation advice was also invaluable and as a result I purchased the correct fixings and completed the job.
Thank you.

J Graham

Trustpilot

Our gate was super. Lovely quality & well made wood & ironwork.
Delivered in testing times & easy to fit !
Couldn’t fault it !

Kevin Hardy

Trustpilot

A properly made gate built to last.
The whole experience was excellent, I was helped measuring the opening, discussing the options and finally choosing the right gate. I was kept informed during the UK manufacturing process, order was shipped as arranged, all well packaged. Hanging the gate (on my own) was possible, the instructions could be a little clearer but help is at hand via telephone. After sale service is also first rate. Overall – Very impressed 5 *****

Toby Arnold

Trustpilot

From my first phone call to delivery, the information, advice and general communication was excellent. I was firstly advised that there might be a 4-6 week lead-in time but the gates were delivered in 4 weeks from ordering. That is 1st class service. E-mails kept me informed of the start of the manufacturing, to the end of the process of staining, oiling, quality control to delivery date. Well done.

Ron Wallace

Trustpilot

An excellent product at a reasonable price. Right from my first enquiry the company was very professional. They helped confirm my calculations for a bespoke size and kept me informed every step of the way. Quoted 5 weeks the our gate arrived in just 3. Product was of good quality and arrived well protected against damage. I found the website very good too. All in all very pleased with our purchase. Andy Boulter

Andy Boulter

Trustpilot

Excellent service, easy to follow website for ordering,
kept informed throughout manufacturing and delivery by email. Arrived exactly when they said and well packaged. Definitely use again in the future.

Janet Huntley

Trustpilot

From placing our order to receiving the end product the service we received was excellent.The customer service team were very informative and helpful.
The quality of both the gates and fence panels are excellent . They are very well built and the craftsmanship is brilliant . Our order arrived well packaged and on our agreed date. They look fantastic. We are very impressed and would certainly use gates and fences in the future and would be happy to recommend them.
Richard and Julie

Julie Burnett

Trustpilot

I ordered a side gate from Gates and Fences as they were one of the few companies that could offer a bespoke gate at a reasonable price. I was very pleased with the quality of the end product, and it arrived well within the advertised turn-around time.

Cheryl Robertson

Trustpilot

After completing the on-line order information, the company were very quick to respond and clarify my requirements.They did this by email and it a was a very efficient process. I was updated by email throughout the manufacturing process right up to when the side gate I ordered was delivered. Although I have not installed it yet, it looks magnificent ‘a beast of a gate’, but very good looking. I would highly recommend this company.

David Longley

Trustpilot

Need advice? Speak to our friendly team on 0800 6124 965

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