Please contact me by email at email@example.com with your desire to initiate a lay-away plan. You will need to tell me in your email the name of the item(s) you want to put on lay-away, and when you want to begin the lay-away by paying the down payment.
I will reply by return email with a payment schedule.
The total amount of each lay-away cannot exceed $500, and the down payment required to initiate each lay-away must be at least 20% of the total, with the balance to be paid off in three consecutive equal monthly payments.
I don't object to anyone having more than one lay-away simultaneously. However, each one must be maintained separately, and stand on its own separately. Anyone having more than one lay-away must understand that payments made and received will always be applied to the oldest account first, until it is paid for in full.
Please try to be understanding of the fact that HauntedMagick.com is not a finance company with unlimited financial resources. I always try to be fair and understanding with all customers/clients. In order for this lay-away program to work fairly and properly for all of us, I must have your cooperation. Please be as sure as you possibly can be that you will be able to comply with the terms of the payment schedule before you initiate your lay-away.
Every time I make my commitment to each lay-away plan, and then when I receive a down payment, the first thing I must do is to remove the item(s) being put on lay-away from the marketplace. I lose every opportunity for the item(s) to be purchased by anyone else. I have absolutely no problem with that---I am totally okay with it---so long as each client fulfills their part of the obligation.
I do understand that unforeseen situations and emergencies do arise, no matter how well we think we have planned for things in advance. If this should happen to you and you see that it will prevent you from being able to make a payment on time, email me and let me know before the payment date. So long as I know about it in advance I will do everything I can to try and work with you. The last thing I want is for an unpleasant situation to arise. I do not want to see anyone lose the money they paid in on a lay-away and not receive the item(s). But, that is what will happen if a payment day comes and goes without receiving a payment or hearing from you.
We all know what will happen if I am put into the position of being "the bad guy". You will get extremely mad at me, and I will lose you as a valued customer/client. Neither one of us will win. I don't like being the bad guy. Please help me to at least be able to try to help you. If you do, we will all win. Isn't that what we all want to happen?
I am instituting this lay-away program to help you---our valued clients. I will make absolutely nothing extra from any lay-aways. There will not be any extra add-ons by me to the lay-aways. No finance charges, lay-away fees, holding fees. Nothing. Just the same amount that you would pay if you bought the piece(s) immediately, without the lay-away. If I don't get the cooperation I need in order for the program to work properly, or if it is taken advantage of badly, this lay-away program simply won't be around very long. I don't want to see that happen.