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Can I cancel my purchase contract?

A.   Here’s some background about how things work when completing your purchase:

  • Humm are a retail instalment finance company who help you obtain credit for the goods / services you want by way of retail instalment plans through our retail partners. We have a range of partners who provide the option of finance instead of using your own funds.

    When you purchase an item using humm, you will receive a code to complete your order either in store with a retailer sales representative or online via shopping cart checkout. Once the terms of the contract are accepted by you and instalment agreement is set up with humm that day. We also settle the cost of the goods with the retailer on your behalf usually within 24 hours. You will then receive a welcome email with further advice and information and a link to your customer portal.

B.   I wish to cancel my humm my instalment contract:

  • To cancel your contract please contact the retailer where you made the purchase. They will need to agree that the sales contact can be cancelled agreed. Once this is agreed they will need to process a cancellation through their humm portal in order for your humm finance agreement.

C.  Please note humm cannot cancel contracts on their behalf:

  • Once this is complete, any payments made to your humm contract, including any initial set up payments or fees, will be fully refunded to the card set up on your account that day by humm and your card company will clear these on your bank account usually within 3-5 business days.

D.   Can I part-cancel a humm contract agreement:

  • It's not currently possible to partially cancel or amend a finance arrangement with humm.

    In circumstances where you are returning some of the goods the retailer may provide a credit note for the cost of the goods where agreed.

    Where this is not suitable please discuss with the retailer who will contact us to arrange a replacement contract for the goods you have not returned.

E.   If my order is delayed do I need to continue payments with humm:

  • As we pay retailers for goods and services immediately, it isn’t possible to delay due payments for reasons such as availability or delayed delivery, and payments must be made as per the agreed terms.

F.   The store have advised they cancelled the purchase / service.

  • To verify your contract has been cancelled, please log into your portal and ensure the status of the loan is Cancellation requested. If not please re-contact the retailer.

G.  I want to cancel the contract but the retailer is refusing.

  • Unfortunately this will need to be resolved with the retailer.

    There may be reasons why the retailer does not accept the cancellation request, such a goods not in original order, customised orders etc.

    If there is a dispute with the retailer, you will need to go through normal dispute resolution channels such as the Competition and Consumer Protection Commission (CCPC.ie).

H.   I bought goods online who should I return them to.

  • You should contact retailer online customer support team by phone or live chat. You may be directed to go in store to complete the return of goods.

I.   I did not receive the goods and the retailer has confirmed they were dispatched by them.

  • The retailer will need to contact their delivery / courier company and follow their standard protocols.

J.   I bought goods online who should I return them to.

  • Similar to paying with cash, goods may not be immediately available for delivery.

    As we pay the retailer immediately, the terms of your humm agreement will need to be maintained from the date the contract is active.

    Any non-payment of your contractual obligations will cause your loan to fall into arrears, which may be reported to the Central Credit Register. This may impact on your ability to obtain finance in the future with ourselves and other lenders.

 

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