PayLater Terms and Conditions

In these Terms and Conditions, references to “we”, “our” or “Bumper” refer to Bumper International Limited (Company number: 08576711) and whose registered address is at TOG, 1 Lyric Square, London, England, W6 0NB. References to “you” in this document, mean anyone who has used PayLater from Bumper. “The Merchant” means the provider of the services or goods purchased using PayLater.

Please note that from time to time lending may be provided by a third party partner who has been introduced to you by Bumper and our merchant partners. For example lending may be provided for business customers by a third party lending provider. If your lending is provided by a third party then you will enter into a separate agreement with them and these terms do not apply. Please refer to your agreement with them in relation to the terms of any such lending.   

• You must be a UK resident and over 18 years old. 
• Have a payment card under your name and not expired.  
• Agree to these Terms and Conditions. 
• Confirm you have read our Privacy Notice. 

PayLater is a credit product provided by Bumper. The purpose of this product is to pay for the goods or services provided to you by the Merchant.  It’s our decision whether or not we can start a credit agreement with you. 

With PayLater you can spread the cost of the invoice from the Merchant over equal, interest-free instalments. The total number of instalments that you can spread the cost over will vary between Merchants. If you choose 3 or more instalments, you will have to pay an upfront payment on the day of the start of the PayLater Agreement. 

You will receive copy of your PayLater Agreement via email, which includes the repayment dates agreed and amounts due on each of the repayment dates. You acknowledge and agree that repayments will be taken by way of recurring card payment from the payment card you have supplied to us at the start of the Agreement. 

We will send you payment reminders and you can always make a payment early if you’d like.  

Should you wish to cancel or otherwise terminate this Agreement, you will need to pay the outstanding balance of the Invoice Amount in full, by contacting Bumper on 0800 6120946 or via email at support@bumper.co.uk    

If the PayLater Agreement has been arranged entirely over the telephone or via a website, then you also have a statutory right of cancellation under The Financial Services (Distance Marketing) Regulations 2004. To exercise this statutory right of cancellation you must give notice of your intention to cancel before the end of 14 days (beginning with the day after the day on which you receive a copy of the PayLater Agreement).  

You can exercise this right by contacting Bumper on 0800 6120946, or via email at support@bumper.co.uk, giving your name, address and confirmation that you wish to cancel. In the event you exercise this right you are responsible for paying the outstanding balance of the Invoice Amount to Bumper in full within 30 days of your cancellation. Please note that cancelling your Agreement with us will not terminate your underlying agreement with Your Merchant. 

In the event you exercise a statutory right to cancel your contract for goods or services with Your Merchant, then the PayLater Agreement shall also be terminated. We will work with Your Merchant to ensure any funds you have already paid are refunded to you as soon as possible (subject to any deductions for goods or services already received by you). 

No, it isn’t. The PayLater Agreement is exempt from the provisions of the Consumer Credit Act 1974 which means that you are not afforded the same rights and protections in law under that legislation as you would be if the Agreement were regulated.  

Bumper accepts most cards except prepaid cards. We’ll let you know at the moment of the start of the Agreement if your card hasn’t been accepted. 

We will electronically debit the outstanding balance of each repayment from your nominated bank card on the dates agreed, together with any other amounts due under the PayLater Agreement (such as a late payment charge). 

While Bumper will never charge you any interest or transaction fees, your card issuer may charge interest, or other charges, in line with the terms and conditions of the agreement between you (the cardholder) and them (the card issuer). Bumper is in no way liable for any fees charged to you by your card issuer. 

You acknowledge and agree to provide Bumper with a Continuous Payment Authority (CPA) so that we can collect repayments automatically, in accordance with these Terms and Conditions, from the card supplied at the start of the Agreement and any other payment cards you nominate for the purpose of repaying the Invoice Amount. 

On each repayment date we will attempt to collect the amount due (including the repayment amount due together with any late payment fees you have incurred). If this fails, we may make up to two further attempts to collect the relevant instalment within 14 days of the relevant repayment date, unless we have agreed an alternative repayment plan with you. 

If we are not able to collect your repayment and you remain in arrears 14 days after the relevant repayment date, we may make further attempts, twice per week on Wednesday and Friday for up to five weeks, to collect between 25% and the full outstanding amount (including any late payment fees). We will also continue to attempt to contact you to discuss your arrears. 

If you wish to cancel the CPA provided to us, you may do so at any time by contacting your bank directly, or by contacting us, using the contact details provided above. If you do cancel, you acknowledge and agree this will not impact on your obligations under the Agreement and you remain responsible for paying the outstanding balance of the Invoice Amount in full. 

If you default on a repayment, we will use our reasonable efforts to contact you by phone, email and/or text message to find out why you have been unable to meet your repayment obligations, and where possible we will try and agree alternative repayment arrangements. 

If you do not make your scheduled payments within 7 days of the date they are due, Bumper will charge you:

1. a late payment fee of the lesser of £20 or 10% of the total amount of credit
2. the reasonable expenses and costs that we may incur in tracing you if you move address without first notifying us; and  
3. the reasonable expenses and costs (including legal costs) we may incur in taking other steps to enforce our rights (such as instructing a third-party debt collector or taking legal proceedings) against you under this Agreement. 

Missing payments could have severe consequences, including legal proceedings. It could also make obtaining credit in the future more difficult and/or more expensive as it will adversely affect your credit record. 

You may amend the payment card details we hold for you, or repay this finance agreement early, in full or in part, at any time by contacting us using one of the following methods: 

1. in writing to Bumper International Limited, TOG, 1 Lyric Square, Hammersmith, London, W6 0NB 
2. by emailing us at support@bumper.co.uk 
3. telephoning us on 0800 6120946 

You must inform us immediately of any changes to your bank details or any other changes in circumstances which may affect your ability to make payments under the PayLater Agreement. 

As payments are collected by recurring card payment, a failed payment (for example if there are insufficient funds in your account to pay it) may result in you incurring failed payment charges from your bank. 

Where you have defaulted on your repayments or we become aware that you provided false information to us in your application we may terminate the PayLater Agreement, without further liability to you however you acknowledge and agree the amount owed by you under the PayLater Agreement will become immediately payable in full. 

Bumper collects and processes personal data relating to you for the purposes of providing you with the finance services as set out in these Terms and Conditions (including assessing whether you can afford the repayments, managing your account and making payment collections) and other purposes, as set out in its Privacy Notice.

If you are using our PayNow product, then please see the MangoPay terms and conditions here.

If we do not enforce our rights under this Agreement at any time, we will not be prevented from doing so later. 

Any notice or demand will be assumed to be properly served if served on you personally, sent by email to an address provided by you or left or sent by prepaid envelope addressed to you at your current address or last known address. If sent by first class post it will be assumed to have been received by you 48 hours after posting. 

You may not transfer or assign your rights under this Agreement. We may transfer or assign all or any of our rights under this Agreement without your consent. 

Unless it expressly states otherwise, this Agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement. 

This Agreement shall be governed by the laws of England and Wales, whose courts shall be the exclusive courts of jurisdiction over any claim or matter arising under or in connection with this Agreement. 

We may vary the terms of this Agreement to reflect changes in applicable laws and regulatory guidance. We will provide you with reasonable notice if we have to make such a variation. 

This Agreement is in the English language and all communications in relation to this Agreement will be in English.