Terms & Conditions

Pay Later Carpets – Customer Terms and Conditions (Including Franchise Branches)

Effective Date: 02.06.2025

1. Introduction

These Terms and Conditions ("Terms") govern the provision of products and services by Pay Later Carpets Ltd and its independently operated franchise branches (collectively referred to as "Pay Later Carpets," "we," "us," or "our") to customers ("you" or "your"). By placing an order with us, you agree to be bound by these Terms.

2. Franchise Operations

2.1 Independent Franchise Entities

Each Pay Later Carpets franchise is an independently owned and operated entity, authorised to trade under the Pay Later Carpets brand. Franchisees are responsible for their own operations, including compliance with applicable laws and regulations.

2.2 Franchisee Details

The following are registered franchise entities operating under the Pay Later Carpets brand:

  • Merseyside & Wirral
    • Company Name: Pay Later Carpets Limited
    • Company Number: 11579794
    • FCA Registration: FRN 842918
  • Chester & North Wales
    • Company Name: Marc Roberts Wirral Limited
    • Company Number: 13401276
    • FCA Registration: FRN 951866
  • North East Scotland
    • Company Name: SPW Carpet Company Limited
    • Company Number: SC706300
    • FCA Registration: FRN 990707
  • West Yorkshire
    • Company Name: Wood PL Carpets Limited
    • Company Number: 13459419
    • FCA Registration: FRN 953716

Each franchisee is solely responsible for the transactions and services they provide.

3. Orders and Contracts

3.1 Order Placement

By placing an order, you are entering into a contract with the specific Pay Later Carpets entity (head office or franchise) that services your area. The contract becomes effective upon acceptance of your order and receipt of any required deposit.

3.2 Product Representation

Product images and descriptions are for illustrative purposes. While efforts are made to ensure accuracy, actual products may vary.

4. Payments

4.1 Deposit and Payment Plans

A deposit is required at the time of order placement. The specific terms of payment plans, including any interest-free options, will be detailed in your agreement with the servicing entity.

4.2 Non-Refundable Deposit

For Pay Later Carpets Trust Package Plans, a minimum of £40.00 of the deposit is non-refundable once the agreement is active.

5. Delivery and Installation

Delivery and installation services are coordinated by the servicing entity. Timelines and procedures will be communicated directly to you.

6. Cancellations and Refunds

Cancellation policies, including any applicable fees, are outlined in your agreement. Please refer to the specific terms provided by the servicing entity.

7. Complaints

7.1 Initial Complaint

For any complaints, please first contact the servicing entity directly to seek resolution.

7.2 Escalation

If unresolved, you may escalate the complaint to Pay Later Carpets Ltd head office at info@paylatercarpets.co.uk or call 0345 052 4179.

7.3 Financial Ombudsman

If your complaint pertains to consumer credit activities and remains unresolved after eight weeks, you may contact the Financial Ombudsman Service.

8. Data Protection

All entities operating under the Pay Later Carpets brand are committed to protecting your personal data in accordance with applicable data protection laws. For more information, please refer to our Privacy Policy.

9. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of England and Wales.


Note: This revised version integrates franchise-specific information to ensure clarity and legal compliance across all operational branches.