Q: “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 than200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.
Q: “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 willautomatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Lesser Spotted and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Klarna app.
Q: “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 toyour financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
Q: “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 itemavailability. 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 andaccurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarnapayment 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.
Q: “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, currentbilling 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'svery important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
Q: “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 toother lenders. Neither Klarna nor Lesser Spotted run credit searches against you that could impact your credit rating.
Q: “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 optionis automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the onlinestore, previous order history and item availability.
Q: “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 istaken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitoryour payments’ schedule in the Klarna app.
Q: “What happens if I cancel or return my order?”
As soon as Lesser Spotted have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The returnwill be reflected in the Klarna app immediately.
Q: “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 Lesser Spotted from the debit or credit cardyou entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collectpayment 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 15days 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 inKlarna 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.
Q: “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 Lesser Spotted. All transactions take place via connectionssecured with the latest industry standard security protocols.
Q: “Can I pay before the due date?”
Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.
Q: “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 unlikelyevent 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 andpayments in the Klarna app or by logging in at www.klarna.com/uk.
Q: “What happens to my statement, when I've returned the goods?”
Once Lesser Spotted has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted paymentschedule 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 scheduledpayments. 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 Lesser Spotted to check on your order and delivery status. You can also contact Klarna’s CustomerService 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.
Q: “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.
Q: “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.
Q: “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.