Newpay レビュー 

They have just now started doing credit for argos, their new app is terrible, it's far worst than the old argos app that allowed you to pay for buy now pay later deals whenever you wanted, I use to pay for these monthly and then clear them at the end of the term, now I can't do that and have to wait till the end of the term to pay the whole lot off, but what I'm concerned about is when do I pay, how can I be certain newpay will take it of the right plan and not take it off my normal credit and get a huge spike in my interest charges, it seems to me to be a ploy by new pay to scam you into getting charged more, I don't feel I can carry on using Argos as much now cause of this. They replied to me complaint and gave me £25 into my account, fair enough but that's not what is gonna change anything for me, in fact its an insult to offer that and still then bang on about all what I know which was basically them saying trust us to do the right thing, also their slogan on the app is buy when you want, pay when you want, what an absolute joke, I can't pay what I want when I want cause now you have taken that option away from me. I hope they get alot more complaints and change the app accordingly and stop me thinking they are doing this to just scam people into paying more interest for when they havnt taken my payment off the plan that's ending and taken it off my normal credit instead.

Very difficult to communicate with then added huge interest rates and charges after continually telling me someone will be in touch. I will never use this company again and would advise against using them.

Me and my wife bought an expensive gift using newpay. We had used them before with no issues so we didn't think there would be any this time. We agreed the monthly cost and direct debit date etc and made the purchase. They took the 1st direct debit no problem, the 2nd direct debit they tried to take a couple of days early and as we have a certain account that is only used for our direct debits we hadn't transfered the money over yet as it wasn't due so it was a returned direct debit. The 3rd month they took the direct debit on the correct date no issues but then the same thing happened on the 4th month, they tried early and we hadn't transfered it over as it wasn't due. They then canceled our direct debit so my wife who suffers with learning difficulties starting paying manually every month on the app. Fast forward a year I asked my wife how much was left on the balance and she told me it wasn't much less than the original purchase. I didn't understand how that could be as the original purchase was £2700 and we had been paying £80 a month so that balance should have been around £1740. After looking further into this i see on my wife's app that they had cancelled our original credit agreement due to the to missed direct debit towards the beginning, which they tried to take before the agreed date might i add or they would have never been missed. And out of the £80 a month we have been paying they have been taking nearly £60 of it for interest and only £20 of it off the balance. Meaning what should have been a 3 year term is now going to take us years and years as my wife can no longer work due to having a pacemaker fitted, fluid on the brain and fybromyalgia. We have 2 kids and are living of just my wage.

worst company to go finance with!
practically day light robbery with there interest rates. won’t ever recommend or go with again
got a sofa for £950 using new pay. this was nearly 2 years ago and i’m still on £713 left to pay!!

Good evening I have tried to contact Newpay since Saturday. I applied for a mobile contract only to be declined, presuming as my maiden name was on my bank details. This has now been rectified. I was told to reapply by the mobile provider, only to take my money again to be verified. Take my money and straight away say I’ve been declined as I have already tried. This is ridiculous. Please can someone get back to me.

I have tried to call this morning to dispute being declined, as it states you can - only to find I can't speak to anyone as it asks for an accounts number!!! Which I don't have!!!

Still waiting a response? I submitted my info as requested. Can someone get back to me?

I recently took out finance through Newpay for a training course. My experience has been disappointing due to unclear communication about the monthly payment schedule.
My first monthly statement clearly showed “Payment Requested: £38.47”, so I paid this amount by the due date. There was no repayment schedule or instalment amount provided to me in writing after signing the credit agreement. Because of this, I had no way to know that the actual instalment was around £136.
Despite paying the amount Newpay requested on their own statement, my promotional rate was removed and I was charged £204 interest in one month, along with a late fee, and my account was suspended. I was then told to pay more than £200 the following month to bring the account back in order.
This situation was caused by unclear communication, not by refusing to pay. If the instalment amount had been provided in a durable format (email/PDF) as required, I would have paid the correct amount from the start. Instead, I relied on the only written information available – the statement showing £38.47.
I have raised a formal complaint and hope Newpay resolves this fairly by refunding the interest and reinstating the instalment plan. I’m now warning other customers to make sure you receive your repayment schedule in writing before relying on the monthly statements.
I believe financial providers should clearly show the correct instalment amount on the first statement to avoid this confusion.

Double check the details before signing any credit agreement. I ordered a kitchen worktop and the only reason I chose this particular supplier was because they offered the terms of balance of purchase on 0%. When I applied for the credit with Newpay, the initial application showed 3 options, one being 0%, another being 17.95% and another being 24.9%. I wasn't able to chose but guess what I was ONLY approved for the 24.9%. I can't believe this was anything to do with my credit rating as both on Experian and CreditKarma, I have an Excellent rating. I called the telephone number and apparently "the system" decides and there's no-one who can help. Anyone smell something fishy - I do.

Clear simple set up , easy and continuous information throughout the loan period

Everything has went nice and smooth so far. They really helped me.

Interest rates way too high accessibility to online account impossible without account number overall I won’t use it again

NewPay still haven't replied to my complaint or dispute. This is despite then replying saying a "specialist team would contact me"
I am still moving forward with my complaint to the FCA as this company refuses to offer buyer protection or call customers back when promised.
I will keep posting my review every time NewPay hide it. This is a seriously dodgy company!!

Tried to email few times as my account been blocked. No answer from anyone. now my account is terminated

Fantastic service absolutely amazing platform to use & outstanding customer service

Another credit card provider that will do anything to stitch you up. A credit card based on emails! You buy something on credit, 3 instalments free interest but they don’t set up a direct debit for your payments. Wait until the first deadline comes and then you have to pay all sorts of charges. Crooks all the way, you would have thought these Sky Channels credit cards 90-100% interest have disappeared! Still here, watch out you have been warned! Stay well away! Crooks!

Quick and simple

Newpay sends me emails, saying there is important information sent to my inbox, so I go to read it, and get a message saying "This account is not eligible for Online Account Manager. Please contact us for any queries." How stupid. Non-existent customer service also.

If ever I need something quickly and can’t afford to buy outright I know my newpay account is there if I need it

Payment plan for my sons bike, paying 30 pound a month 22 of that gets taken for interest, extortionate fees. Avoid at all costs

Quick decision, very easy to follow procedure.
Vey satisfied with the service provided