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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. Once this is agreed they will need to process a cancellation through their humm portal in order for your humm finance agreement.
Please note humm cannot cancel contracts on their behalf.
Once the cancellation 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. In case the approval is still valid, the credit will be reinstated and you will be able to make a new purchase with any of our retailer partners.

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

Yes, you can partially cancel or amend a finance arrangement with humm.

D.   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.

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

To verify if 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.

F.  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).

G.   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.

H.   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.

I.   I am not paying as I have not received my goods / service from your retail partner

humm bear no responsibility for delivery, stock, price or service issues. Before you enter into a sales contract with the retailer, ensure you are satisfied that you they can provide the products / services in line with your expectations. humm will not intervene in any consumer disputes.
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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Click on the CHAT BUTTON on the bottom right side of the page

Customer chat support hours:

Mon – Fri: 10:00am – 4:00pm


(Closed Saturday / Sunday / Bank Holiday / Public Holiday)

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Let us know how we can help you and one of our team members will get back to you asap.

Call us

Retailer support (01) 960 1600
Support hours Mon – Sat 10:00am – 5:00pm AEST

Email us

Let us know how we can help you and one of our team members will get back to you asap.

Call us

Customer support (01) 960 1601
Support hours Mon – Fri 10:00am – 5:00pm AEST
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