HeadOverHeels Photography is an established company.
Why do I use that heading? Simply because, when you are looking at paying for a service before it has been delivered (as is standard pratice with wedding photography), it's an important factor to take into consideration before parting with your money.
My standard payment terms are for a booking fee of £150 plus VAT (£180) to be paid in order to secure my services on your day. The balance for your package is then divided into two further payments. For example:
And I am flexible.
I am prepared to discuss arrangements which suit you individually and how you would like to make payment. We all manage our budgets in different ways and I believe in doing my best to accommodate your preferred method of managing yours. We will include full details of your chosen method in your contract.
For your peace of mind, I ask for payments to be made by bank transfer which immediately gives you proof you have made that payment. In addition, any payments made to me will remain in my business bank account until my obligations to you have been fulfilled.
This means that if due to some unfortunate event you are entitled to a refund, you will receive that refund promptly.
If you are interested in knowing more about how you are protected from unfair trading, look at the The Consumer Protection from Unfair Trading regulations 2008.
I am unable to offer credit.
In order to be able to offer credit or hire purchase I would need to be registered with the Financial Conduct Authority (FCA). You can find more about the FCA here.
There are strict laws governing the provision of consumer credit which you can find out about on this Government website.
Over the years I have become friends with a lot of photographers. As far as I am aware, none of them have registered with the FCA. If a photographer you are considering hiring is offering you credit, make sure to check they are registered to do so. If they are not, they may be acting illegally which could cause you problems if things go wrong.