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Layby Payment Terms and Conditions

A LAY-BYE agreement is a way of paying for goods over an agreed period of time, whereby the service provider holds the goods until the consumer has paid their full price.

To lay-bye goods, the consumer pays a 20% deposit, and subsequently makes regular repayments over a period of 90 days or earlier until the total price is paid.

You may cancel a lay-bye contract before the goods are delivered or if they are damaged when you receive them. If the service provider does not accept a verbal cancellation, the supplier must provide you with a cancellation form and clearly set out the following:

Cancellation fees apply if you cancel the LAY-BYE purchase agreement. You can cancel your LAY-BYE at any time before it is delivered, how ever, Turnkey Commerce (Pty) Ltd (2017/434048/07) ( reserves the right to retain 10% of the total purchase price as a restocking fee.

Please email us if you would like to cancel your LAY-BYE purchase agreement with us.

If the consumer does not pay the outstanding balance within 30 days, Turnkey Commerce (Pty) Ltd (2017/434048/07) ( reserves the right to cancel the LAY-BYE purchase agreement and retain the 10% restocking fee. 



Upon cancellation of the LAY-BYE purchase agreement, you will be refunded within 14 business days.

Should you require any additional information or clarification you can contact the education division via the the Department of Trade and Industry (DTI) Customer Contact Centre at 0861 843 384.

Or write to the DTI at: The DTI Consumer Complaints, Consumer and Corporate Regulation Division, Private­ Bag X84, Pretoria, 0001.