Whether you're accepted for finance or not depends on many different factors. At Duologi they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Duologi will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.

In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Duologi make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.

If your application was declined, Duologi may be unable to give you specific reasons why. Duologi uses information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please feel free to contact Duologi via email at support@duologi.com or call them on 0345 5211 881 Option 2.

You can also contact the Credit Reference Agencies if there is a mistake on your credit report: Experian, Equifax and TransUnion.

Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

Changing your payment date can only be done after the first payment has been taken. . Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com

Please contact Duologi's after-sales support team on 0345 5211881 (option 2) or via email at customers@duologi.com

We’re sorry to hear this. Please contact Deko's customer support team at support@dekopay.com or by phone on 0800 294 5891.

As part of your application on the Deko platform, you will be presented with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take time to check the details in these documents are correct and that you understand the amount and frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.

You can get a copy of your loan agreement by contacting support@duologi.com

Your payments will be taken by Direct Debit using the details you provide during your application. If you’d like, you can make additional payments by debit or credit card.

In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us, HomePlus Furniture to amend the goods or services you ordered and you may need to complete a new application for finance.

Please note we cannot guarantee a new credit application will be approved. All credit applications will leave a credit "footprint" on your credit history.

Please contact us at HomePlus Furniture and we will help you.

If you find that you’re struggling to make your payments, you should contact Duologi as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Duologi's customer service team on 0345 5211881 (option 2) or via email at customers@duologi.com.

You will have a 14-day cooling off period, during which you can cancel your finance agreement.

To cancel your finance agreement, you will need to contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Duologi to cancel your finance agreement and refund any payments that have been made.

If you have made an in-store application, we will refund any deposit payments that you made.

Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned.

There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, please contact us at HomePlus Furniture directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application. Your lender will refund your deposit and let you know if you have any balance to repay.

Please see our full Refund and Returns Policy.

For any other questions contact us by telephone on 01233 633928 or email us at sales@homeplusfurniture.com.