Pricing
Budget and payment planning
Record the existing position and the proposed schedule on a common basis. The exercise should expose trade-offs without presenting refinancing as a guaranteed remedy.
| Plain guides, no stringsFree | Offer lineup worksheetFree | General guidance enquiriesFree | |
|---|---|---|---|
| Returning a purchase does not document settlement of its finance | ✓ | — | — |
| A refund and a loan-account adjustment involve related records that can arrive at different times. | ✓ | — | — |
| Keep purchase and financing confirmations together and obtain the updated position. | ✓ | — | — |
| Owning an item and owing money are separate questions | — | ✓ | — |
| A loan used for a purchase can continue after the item is sold, damaged or no longer needed. | — | ✓ | — |
| The documents explain those relationships for the actual product. | — | ✓ | — |
| A refund can reduce a balance without matching an instalment | — | — | ✓ |
| Money applied to an account may affect principal or another component under product rules. | — | — | ✓ |
| Ask for allocation and a revised schedule rather than inferring the outcome. | — | — | ✓ |
Estimates and offers
Understand the money received and the money owed
Use the statement and agreement to reconcile the transaction. Obtain a revised position before assuming that an extra payment removes a later due date.