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SafeStyle interest free option with GE Money


labrajaws
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We've just had a quote for double glazing the whole house which was pretty reasonable from SafeStyle.

 

Although we are looking to pay in cash, the sales guy recommended we pay via their 12 months interest free option as the guarantee would still be honourable by GE Money if SafeStyle go bust within the guarantee period. We could then pay it off after 12 months to avoid interest payments. I think we'd just pay 1 months interest upon settlement.

 

I wondered if anyone else had taken out the interest free option and if there are any hidden penalties, or hassles paying off the loan early?

 

Also if anyone had a view on the likelihood of SafeStyle going bust any time soon? We are put off using smaller local firms for this reason...

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If it was me i'd certainly shop around, and get quotes, my mother was quoted £15,000 to do her house by Anglian, but got a German company to do the work on a referral from a neighbour and only quoted £6,000 and they did a FINE job, Anglian came back and offered the deal at £9,000 with a pushy sales talk, but they got kicked into touch....and as Pimpernel wisely says, if you have to take finance read the small print VERY, very carefully, and watch for Payment Protection coverage also.....

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We bought Safestyle windows 8 years ago using their GE Money 12month interest-free option.

Firstly, Safestyle were nowehere near the cheapest quote but their products were first class and the installation was done when they promised and their installation team did a good job.

We had a couple of very minor problems develop after a couple of years, but Safestyle came and rectified them very quickly and without any hassle. The windows are still as good as when they were first fitted and, looking at cheaper installations that neighbours had done around the same time, we believe that SafeStyle's quality and service was worth the extra we paid.

 

In the case of GE Money, be very careful. They do not give you 12 months interest free - what happens is that Safestyle send you a cheque for the first 12 months interest and you use that to part-finance the GE repayments.

At the end of 12 months, you need to pay back the balance of the loan to avoid any further interest charge. If you do not get it paid on time you will then have to pay a penalty to finish early OR carry on paying the repayments plus the interest (which is quite high compared with a bank loan.)

Neither GE nor SafeStyle remind you of the approaching 12 month time limit - you need to diarise it yourself.

I found that GE stuck absolutely to the letter of their agreement, for which I cannot fault them, but they come over as a very impersonal company - communication with them is short and sharp.

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