Getting Nervous

Mr C

New member

I've just attempted to Order a Nice little AMD Quad core Gaming Comp, along with a 22" Flatscreen and i chose the 6 month Finance Option.
I have just Payed £119.80 by debit, i even checked my account and it has been taken.
That's £83.80 Deposit and £36.00 Arrangment Fee.

After this you get to The Hitachi Capital Bit, to set up the direct debit instruction.
One of these pages says this.

"You are applying for a Buy Now Pay Later finance agreement which allows you to:

* Repay in full the amount of credit £754.20 before the first instalment date and pay no interest.


* do nothing and your direct debits of £27.19 will commence after 6 months.

Confirmation of your first payment date will be included in a Welcome Letter which will be sent to you when your goods have been delivered. "

Now the OR bit confused me, i thought i was just paying direct Debit each month from my order. It looks like it's saying do nothing, your order will arrive, and we will start charging you in 6 months... if you want to. (which i don't)

So that aside, this should mean regardless of when i set up the direct debit with Hitachi, my Order is still on its way (I supposed).

So i check my Orders on this site, The order is under temporary orders, and apparently they are archived after 2 days and cannot be retrieved!

This is only worrying because I am trying to get this damn direct debit thing sorted now, and i plan to pay the full ammount well before the 6 months is up, i don't plan to pay the interest.
I thought that I pay £119.80 to start the ball rolling, My PC and Monitor are Processed, and sent, and the Monthly charges start from there on or abouts.
I planned to let the monthly payments do their thing but also chuck in £100 each week or so to get it done in 2-3 months.

SO... more to the point and the Reason for this Thread, Hitachi Capital is making it very difficult to complete, because after i fill the required fields and press next.......................................................................
Waiting for
Eventually it times out.
I hope it's just traffic but i'm paranoid.

I have no bad history, i work full time, that side isn't an issue, the site just won't let me get it done.

So am i right to worry?
i've payed £120 and the order looks like it will be deleted in 2 days if i don't complete the rest.. is that right?

+ Can someone set me straight on the "OR, do nothing" bit,

Thanks for any help


Edit* i was just gazing at this bit
"do nothing and your direct debits of £27.19 will commence after 6 months"

I get it now.. lol
make no extra payments to clear it, and after 6 months they KEEP taking the money, all the way to the interest, i feel stupid.

but i'm still worried about the order.
Last edited:


Author Level
Hi Mr C, No reason to worry.

Its a Buy now Pay later finance arrangement, so as long as you pay off the full amount to the finance company within the chosen time-frame then there is nothing extra to pay barring the deposit and fee you already paid. If you dont pay it off within the time then it goes to a pay monthly arrangement where you pay interest.

Should it not go through this will be refunded, well its actually a deferred payment which will be reversed / not completed.

If you pass me a PM with your order number or email it to [email protected] i will confirm the orders status in the morning.

Mr C

New member
I understand.
So the monthly Fee doesn't even begin until the 6 months is up, I just have 6 months to pay however i want.
That's all fine.
I suppose you can't speak for
I can't get anywhere with the Debit setup, the furthest i got was the Personal Details section, now it won't even go that far.
Is this a common problem?
There isn't an alternative Finance Company That uses is there? lol


Author Level
Nope just the Hitachi finance people, and no i cant talk for them, different company.

I can however check it out in the morning if you email me the order number etc.


Author Level
Ok, it looks ok from our side.

Log into our website and find the order, there will be a button or clickable link to go through and complete the finance application.

If for whatever reason it doesnt let you do that then call us on 0844 499 4000.