Alright, let’s have a gander at this Yes Catalogue, shall we? It’s like they’ve taken the concept of “buy now, pay later” and turned it up to eleven. Blimey!
What’s on Offer? (4/5 stars)
They’re boasting about having over 80,000 products, which is enough to make your head spin faster than a washing machine on its final cycle. From what I can see, they’ve got:
- Gaming consoles that’ll have the kids (and big kids) jumping for joy
- Fancy tellies to binge-watch your favourite shows
- Mobile phones smarter than some people I know
- White goods to keep your kitchen ship-shape
- Laptops, computers for work, play, or endlessly scrolling through social media
- Even a mini Range Rover for the little ones (I mean, talk about starting them young!)
It’s like they’ve taken Argos, Currys, and a dash of Hamleys, chucked it all in a blender, and served it up with a side of credit. Not too shabby if you’re after a one-stop-shop for all your gadgetry and home goods.
Navigating the Website (3/5 stars)
Now, let’s talk about their website. It’s about as subtle as a bull in a china shop when it comes to pushing their credit offer. “£500 Credit” is plastered everywhere like graffiti on a railway bridge.
Finding specific products might be a bit of a faff, though. The homepage is more focused on getting you to create an account than showing off their wares. It’s like going to a department store where the salesperson is blocking the door, insisting you sign up for a loyalty card before you can even look at the goods.
The Big Selling Point (3.5/5 stars)
Here’s where it gets interesting, folks. They’re offering £500 credit to pretty much anyone with a pulse. “All credit types considered!” they trumpet, which is either brilliant or bonkers, depending on how you look at it.
They’re really pushing the flexible payments angle, letting you set your own weekly payment date. It’s like they’re saying, “Go on, treat yourself! Future You can worry about the payments.” It’s tempting, I’ll give them that, but remember what your gran always said about things that sound too good to be true.
Value for Money? (3/5 stars)
Now, here’s where you need to engage your noggin. They’re not exactly shouting about their prices, are they? It’s all “create account this” and “flexible payments that”. But what about the actual cost of the items?
It’s like trying to figure out the price of a pint in London – you know it’s probably more than you want to pay, but you won’t know for sure until you’re already committed.
Delivery and Customer Service (3.5/5 stars)
They’re promising next-day dispatch on a lot of items, which sounds brilliant if you’re the impatient type (guilty as charged). But remember, dispatch doesn’t mean delivery – your new telly won’t teleport into your living room, more’s the pity.
They’ve got a UK-based customer service team, which is a nice touch. No need to worry about explaining your problem to someone who thinks Yorkshire is a type of pudding, not a place.
The Small Print (2.5/5 stars)
Right, let’s address the elephant in the room – or should I say, the small print at the bottom of the page. They’re regulated by the Financial Conduct Authority for some agreements, but not for others. It’s like a game of credit roulette!
They do warn about the risks of missing payments, but it’s tucked away at the bottom like the vegetables on a child’s dinner plate. Come on, Yes Catalogue, don’t be shy – if you’re offering credit, you should be upfront about the nitty-gritty.
The Verdict (3.5/5 stars)
All in all, Yes Catalogue is a bit of a mixed bag. If you’re in desperate need of some new gear and your credit score is more battered than a chip shop cod, this might be right up your street. The range of products seems decent, and the flexible payments could be a lifesaver for some.
But crikey, approach with caution! It’s easier to get into debt than it is to get out of it. Don’t let the promise of shiny new gadgets sweep you off your feet like a contestant on Love Island.
My advice? Have a butcher’s, but keep your wits about you. Make sure you read all the terms and conditions – yes, all of them, even the boring bits. And for Pete’s sake, don’t sign up for more than you can afford just because they’re willing to give you the credit.
Remember, just because they say “Yes” doesn’t mean you have to. Sometimes, the smartest word in your vocabulary is “No”.
Cheerio, and happy (responsible) shopping!