Finance Information

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Novuna Personal Finance FAQs

Applying Online

  • Spend £250 or more across our website and apply for our 12 Month 0% APR finance agreement.
  • Spend £999 or more and apply for any agreement above plus our 18 Month 0% APR finance agreement.
  • Spend £1999 or more and apply for any agreement above plus our 24 Month 0% APR finance agreement.
  • 36 or 48 Month (12.9% APR) interest bearing finance plans also available when you spend £250 or more. 
  • All are agreements are £0 deposit agreements only. Credit provided subject to status.
  • Online orders must be delivered to the billing address. If you wish to get it delivered to a different address, you must set up the finance in person in our store.
  • Orders must be delivered and cannot be collected from store.
  • Finance orders must be delivered in full and cannot be part dispatched.

Representative Example: Spread the cost over 12 month Interest Free

Representative Example Spend £1,500: 
  • £0 deposit
  • Loan term: 12 months
  • Monthly repayments: £125
  • Representative APR: 0.0%
  • Cost of credit: £0
  • Total amount payable: £1,500
  • Subject to terms and status

Representative Example: Spread the cost over 24 month Interest Free

Representative Example Spend £1,999: 
  • £0 deposit
  • Loan term: 24 months
  • Monthly repayments: £83.29
  • Representative APR: 0.0%
  • Cost of credit: £0
  • Total amount payable: £1,999
  • Subject to terms and status

Representative Example: Spread the cost over 48 months 12.9% APR

Representative Example Spend £1,500:
  • £0 deposit
  • Loan term: 48 months
  • Monthly repayments: £39.65
  • Representative APR: 12.9%
  • Cost of credit: £403.20
  • Total amount payable: £1,903.20
  • Subject to terms and status

To apply for finance you must:

  • Spend over £250
  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by Direct Debit
  • Be in regular employment* (minimum 16 hours per week) including self-employment, or in a permanent residence with your partner who is in regular employment
*If you are retired and receive a pension or registered disabled and unable to work, Novuna Personal Finance may ask for proof of sufficient income. 
Applying online is quick and easy! Just select the finance option as you go through the checkout and upon completion of your order, you will be directed to Novuna Personal Finance, our finance provider, to complete your application.
Taskers Limited is registered in England 1267980, registered office Unit A, Liver Industrial Estate, Aintree, Liverpool, L9 7ES.
Taskers Limited acts as a credit broker and not the lender and offers credit products online from Novuna Personal Finace. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Taskers Limited is authorised and regulated by the financial conduct authority and our FRN number is 732905, Credit provided is subject to age and status.
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

clearpay faqs

What is Clearpay?

OMNI / INSTORE / ONLINE: Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.

The service is provided by Clearpay Finance Ltd. Clearpay Plans are deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permission regime for Regulated Deferred Payment Credit. Details of the Temporary Permission regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website.

How do I use clearpay?

OMNI:

Clearpay can be used online and instore.

To shop online, simply visit TaskersOnline.com and check out as normal. At checkout, select Clearpay as your payment method. You’ll be directed to Clearpay to log in or create an account and provide your payment details (Visa or Mastercard).

If you’ve used Clearpay before, just log in to complete your order.

To shop instore, download the Clearpay app and set up the Clearpay Card. Before paying, head to the In-store tab in the app and enter your purchase amount. We’ll run a quick check and, once approved, you can tap and pay using Apple Pay, Google Pay or Samsung Pay. Your purchase will then be split into 4 instalments.

INSTORE:

Clearpay can be used instore. Simply download the Clearpay app and set up the Clearpay Card. Before paying, head to the In-store tab in the app and enter your purchase amount. We’ll run a quick check and, once approved, you can tap and pay using Apple Pay, Google Pay or Samsung Pay. Your purchase will then be split into 4 instalments.

ONLINE:

Just shop on Taskers and check out as normal. At checkout, choose Clearpay as your payment method. You’ll be directed to Clearpay to log in or create an account and provide your payment details (Visa or Mastercard).

If you’ve used Clearpay before, simply log in to complete your order.

Where can I use Clearpay?

OMNI / INSTORE / ONLINE: Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.

Who can use Clearpay?

OMNI / INSTORE / ONLINE: Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.

Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply, including creditworthiness and affordability assessments. See Clearpay Terms of Service for further details.

How does the Clearpay payment schedule work?

OMNI / INSTORE / ONLINE: Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.

Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply, including creditworthiness and affordability assessments. See Clearpay Terms of Service for further details.

What if I can't pay a clearpay installment?

OMNI / INSTORE / ONLINE: If you cannot make a payment, please contact Clearpay.

As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.

Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.

Late payments may affect future spending limits. We may also report your late payment data to credit reference agencies. This could have a negative impact on your credit file, and could make it harder to obtain credit in future. 

Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.

When will my items be delivered if I use Clearpay?

OMNI / ONLINE: Clearpay orders are delivered within our standard delivery timeframes like any order from Taskers.

Is there a limit to how much I can spend on a single clearpay transaction?

OMNI / INSTORE / ONLINE: Yes, your order value including shipping must be between £500 and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.



Can I use another form of payment with Clearpay?

OMNI / INSTORE / ONLINE: Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.



How do I return or exchange an item purchased with Clearpay?

OMNI: Clearpay purchases follow the retailer's standard return policy for both instore and online transactions. Check with the retailer's return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Taskers to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.

INSTORE: Clearpay purchases follow the retailer's standard return policy for instore transactions. Check with the retailer's return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Taskers to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.


You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.


ONLINE: Items purchased with Clearpay follow our standard return process.


Please note, refunds for Clearpay purchases will be refunded from Taskers to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account.

Where can I find out more about Clearpay?

OMNI / INSTORE / ONLINE: Visit the Clearpay website for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy.

Policies

Complaints Policy

At Taskers, we are committed to providing excellent service to our valued customers. However, if you find yourself dissatisfied with any aspect of our products or services, we encourage you to utilise our formal complaints procedure.

How to Lodge a Complaint:

Email:

You can submit your complaint via email by sending a detailed description of the issue to hello@taskersgroup.co.uk

Postal Mail:

Complaints Department
Taskers Head Office
Unit A, Liver Industrial Estate
Liverpool
L9 7ES

What to Include in Your Complaint:

  • Full Name
  • Contact Information (email address, phone number, and postal address)
  • Order Number (if applicable)
  • A Clear and Detailed Description of the Complaint
  • Any Supporting Documentation or Evidence

What Happens Next:

Upon receiving your complaint, our customer service team will promptly acknowledge the receipt and initiate an investigation. We aim to respond to all complaints within 2 working days. Please note, this can be longer during sale periods and peak seasons.

Our response will outline the findings of the investigation and detail any proposed resolutions or actions to address the issue. If further information is required during the investigation, we may reach out to you for additional details.

Financial Ombudsman

If you have a dispute regarding a finance product we have sold to you, and feel we have been unfair in our conclusion of the matter, The Financial Ombudsman Service is a free service that settles complaints between consumers and businesses that provide financial services. They resolve disputes fairly and impartially.

For more information, or to make a complaint, visithttps://www.financial-ombudsman.org.uk/

Vunerable Customer Policy

1. Introduction to our Vulnerable Customer Policy

At Taskers, we are deeply committed to addressing the unique needs and challenges faced by vulnerable individuals within our customer community. Our dedication is centered on delivering exceptional service to all our customers, with a special focus on those who may be vulnerable due to various circumstances. Our objective is to conduct our business ethically, ensuring that vulnerable customers are neither harmed nor disadvantaged.

We recognise that vulnerability can manifest in various forms, such as age, disability, mental health conditions, or financial constraints. Our unwavering commitment is to foster an inclusive and supportive environment where every customer is valued, respected, and understood.

Overview of Our Vulnerable Customers Policy:

2. Who are Vulnerable Customers?According to the Financial Conduct Authority (FCA), vulnerable customers are individuals who, due to personal circumstances, are especially susceptible to harm or disadvantage when dealing with financial services providers.

Vulnerability spans a wide range of circumstances, affecting individuals from various backgrounds. Vulnerable groups may include:

  • Older or younger individuals 
  • Disabled individuals 
  • Those with mental health conditions 
  • Low-income households Individuals experiencing life events such as unemployment, bereavement, divorce, or illness.
  • Those with limited English language skills
  • Individuals under duress

It's important to note that not all customers within these groups are automatically considered vulnerable. Our approach is tailored to address the specific needs of each customer, ensuring a positive experience.

3. Identifying Vulnerable Customers:

Effectively addressing the needs of vulnerable customers requires the ability to identify them. Our staff undergoes comprehensive training to recognise and support vulnerable customers, ensuring they receive the necessary assistance for a positive outcome.If you believe you meet the criteria for a vulnerable customer, please inform us of your specific needs. You can do this when first contacting us. For extra assistance, please email us at hello@taskersgroup.co.uk.

4. Assisting Vulnerable Customers:

Our commitment to supporting vulnerable customers includes:

  • Accessible Website 
  • Clear Communication Customer Support 
  • Help for individuals with a disability e.g. wheelchairs, accessible toilets, spacious aisles etc. 
  • Escalation procedures to quickly address complex or urgent cases, ensuring customer’s receive necessary care and attention

5. Privacy and Dignity:

We respect the privacy and dignity of all customers, especially those who may be vulnerable.

Any assistance provided will be done so with sensitivity, discretion, and a focus on maintaining the customer's dignity.

6. Feedback and Continuous Improvement:

We welcome feedback from customers regarding our services and policies, especially concerning the experience of vulnerable customers. This feedback will be used to continuously improve our practices and better meet the needs of all customers.

For additional support or clarification, visit our contact us page here, or contact our team via email athello@taskersgroup.co.uk 

We are here to assist you and provide the necessary guidance and support you may need.