I`ve no idea whether this particular woman can or cannot easily afford her easy pays, only she`ll know that and her 21 orders plus some she said she cancelled must have come to a hefty total even on EP. The point I was trying to make was neither does QVC know if she can afford it and unlike loan companies who at least ask for proof of income and therefore limit how much credit you can have, QVC just seem to allow people to spend as they please on easy pays.
True, the customer has to fork out the first easy pay plus p and p when they order but after that it`s all down to the customer having the sense not to buy what they can`t afford and having the funds in their bank account or on their credit and that they ensure nothing goes wrong with future payment. I realise we live in a World where lots of people buy now, pay later but there should be such a thing as responsible lending/credit. I was just wondering if or how QVC fits into this and should worse case scenario arise where someone orders 21 items on EP and then can`t follow through with future payments what happens and whether in a Court case the customer could turn around and say well they let me buy £1000 worth of stuff on EP and never checked whether I could afford it or not, so it isn`t my fault.
It`s all just questions and possible answers going through my head, curiosity and where, if anywhere, there should be mechanisms in place, on both sides , to check that people aren`t getting into debt or being actively encouraged to feed an addiction. It would be interesting to know how QVC deals with these type of issues.
