Payments, Deposits & Finance

We accept the payment methods displayed at checkout or offered in the showroom. Availability can change. Card and online payments may be processed by third-party payment service providers; J&B Furniture does not store full payment-card details where the payment provider processes them directly.

Where we accept a deposit, payment of the deposit and J&B Furniture’s acceptance of the order create a binding contract. The sales order should record the deposit, outstanding balance, product classification, exact specification and expected delivery/collection period. Customers should not pay a deposit unless they are satisfied with these details.

A deposit is not automatically refundable because a customer changes their mind. For a non-faulty showroom Supplier/Catalogue or Bespoke/Personalised Order that has been accepted and committed to the supplier/manufacturer, J&B Furniture may refuse cancellation or may retain all or part of the deposit to cover reasonable non-recoverable costs/losses if a cancellation is exceptionally agreed. We will not use a deposit term as a disproportionate penalty. Where a statutory online cancellation right applies, or where J&B Furniture cannot perform the contract and no acceptable alternative is agreed, the customer’s statutory refund rights take priority.

The balance is due at the time stated on the sales order, which may be before delivery/collection for made-to-order or supplier-order goods. We will not require an excessive advance payment or impose a term that would be unfair under consumer law. Where finance has been approved, the finance provider’s payment process may replace or supplement the normal balance-payment arrangement.

Where a refund is legally due, it will normally be made to the original payment method, subject to applicable statutory rules. We will not force a consumer to accept store credit instead of a refund where the law entitles the consumer to money back. A customer may voluntarily agree to another refund method or store credit where legally permitted.

Where finance is offered through a third-party provider such as Humm, the finance application and credit agreement are subject to the provider’s current terms, eligibility rules, regulatory disclosures and approval. Promotional finance terms can change and are not guaranteed merely because a product is advertised by J&B Furniture. Please review the finance provider’s documentation before signing.

We may carry out reasonable verification and fraud-prevention checks before accepting or releasing an order. If a payment is declined or verification cannot be completed, we may ask for another payment method or decline the order. Any personal-data processing for payment, fraud prevention and security is addressed in our Privacy Policy.