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What information do I need to include in my lay-by agreement with a consumer?

There are a few different things you need to consider when letting customers put products on lay-by.

First, the agreement should be in writing. Second, it should set out all of the Terms and Conditions of how the lay-by will work for example how the agreement can be terminated and the specific payment terms. The terms should be clear and easily understandable. If you cancel the agreement you should only charge reasonable fees to the consumer for the cancellation.

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