Terms & Conditions

Creditor Address	Damartex UK Limited trading as "Damart" and "Sedagyl" Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD.
Telephone number	For orders: 0871 423 0000 (calls cost 13p per minute plus your telephone company's network access charge). For queries about this information: 0330 1234083
Website	www.damart.co.uk
Email	ukcreditmail@damart.com

 

The type of credit	Running Account Credit Agreement regulated by the Consumer Credit Act 1974.
The total amount of credit (This means the credit limit)	We will determine from time to time how much credit you may have under this agreement, and will notify you of that amount on a statement or other communication.
How and when credit would be provided	Credit will be provided upon expiry of the 28 day interest free period for the goods you purchase from us unless they are returned.
The duration of the credit agreement	The agreement has no fixed or minimum duration.
Repayments	Each month you must repay the minimum payment shown on your statement by the date shown. This is calculated as 1/25th of the total cash price of goods purchased on the account or £3.00, whichever is the greater. We re-calculate the minimum payment in the same way whenever you buy more goods or return goods. If your balance is less than £3 you must pay the outstanding balance.
The total amount you will have to pay (This means the amount you have borrowed plus interest and any costs)	The total amount payable is the sum of the amount borrowed plus the total charge for credit. The total charge for credit comprises interest only. Interest is applied to the total balance outstanding from the previous statement based on the daily interest rate of 0.0893 pence in the pound or 50 pence, whichever is the greater. Based on an example of taking credit of £500 (without BNPL) and paying the minimum repayments for the term, the total charge for credit is £180.80 and the total amount repayable is £680.80.

 

The rates of interest which apply to the credit	The rate of interest is equivalent to an annual rate of 32.6% (variable). Interest is applied to the total balance outstanding from the previous statement which is calculated when the statement is produced and added to the balance, subject to a minimum charge of 50 pence per month.
Annual Percentage Rate of Charge (APR). This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers.	37.5% (variable). The assumptions underlying this calculation are that a credit limit of £500 be drawn down immediately and in full and repaid over a one year period in equal monthly instalments commencing four weeks after the date of initial draw down along with interest as provided for in this agreement.
Related Costs
Charges for using a specific payment method	If you choose to make repayments to your Damart Personal Account at the Post Office their standard fees will be payable. Or if you choose to pay at a bank some banks may charge if you do not bank with them.
Costs in case of late payments	We reserve the right to charge you (i) an administration charge of up to £12 in respect of each missed or incomplete payment due; (ii) an administration charge of up to £6 in respect of each returned payment; (iii) any reasonable expenses and costs that we may incur in the instruction or involvement of third parties for tracing you or debt collection. Interest will also be payabale on any late payments at the interest rate shown above.
Consequences of missing payments	Missing payments could have severe consequences, including increasing the cost of your credit, impairing your credit rating which may make obtaining credit in the future more difficult and/or expensive for you.

 

Right of withdrawal	You have the right to withdraw from this credit agreement before the end of 14 days beginning on the day after the agreement is made, or if information is provided after the agreement is made, the day on which you receive a copy of the executed agreement under sections 61A or 63 of the Consumer Credit Act 1974, the day on which you receive the information required in section 61A(3) of that Act or the day on which you are notified of the credit limit, the first time it is provided, whichever is the latest.
Early repayment	You have the right to repay early in full or in part.
Consultation with a Credit Reference Agency	If we decide not to proceed with your credit application on the basis of information from a credit reference agency, when informing you of the decision we will inform you that it has been reached on the basis of information from a credit reference agency and the particulars of that agency.
Right to a draft credit agreement	You have the right to request a copy of the draft credit agreement free of charge.
The period of time during which the creditor is bound by the pre-contractual information	This information is valid for a period of 30 days from the day we send it to you.

 

(a) concerning the creditor
Registration number	Damart and Sedagyl are trading names of Damartex UK Limited which is a company registered in England and Wales (company number 00852773).
The supervisory authority	We are authorised and regulated by the Financial Conduct Authority of 12 Endeavour Square, London, E20 1JN to provide consumer credit. Firm Reference Number: 702607.
(b) concerning the credit agreement
The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement	English law (or the law of Scotland or Northern Ireland if you reside there).
The law applicable to the credit agreement and/or the competent court	The laws of England and Wales govern the credit agreement unless you reside in Scotland or Northern Ireland in which case local law will apply and the local courts have jurisdiction.
Language to be used in connection with your agreement	The contractual terms and conditions and prior information are in English. The creditor undertakes with the debtor's agreement, to communicate with the debtor in English for the duration of the credit agreement.
(c) concerning redress
Access to out-of-court complaint and redress mechanism	If you have a complaint and feel that we haven't resolved it to your satisfaction, you may refer the matter to the Financial Ombudsman Service, for independent investigation after having first raised your complaint with us. If, after 8 weeks we have still not resolved your complaint, you have the right to complain to the Financial Ombudsman Service.

 

1.1 You accept these Terms and Conditions.
1.2 You have been provided with a full copy of this agreement for consideration before signing together with a copy of the Adequate Explanations and Pre-contract Credit Information
1.3 You are over 18 years of age.
1.4 The details you have given are true and complete.
1.5 You will inform us as soon as possible of any change in your personal details such as name and home address.
1.6 Your signature to this agreement acknowledges receipt of a true copy.
1.7 All sums owed under the agreement shall become due and payable immediately if:
1.7.1 We believe you have provided us with any false information when you entered into this agreement.
1.7.2 A statutory demand is served on you, or any other steps are taken by you or any other person, to make you bankrupt.
1.7.3 You commit an act of bankruptcy (e.g. failing to pay a debt pursuant to a court order).
 

2.1 Once you have opened your Damart Personal Account and signed the credit agreement, you can use your account to order at any time and spread your payments for up to 25 months.

Here's how it works:

2.1.1 Complete your Order Form and tick the personal account box, or select the Personal Account option when you shop at www.damart.co.uk. If ordering by phone, call 0871 423 0000 and tell our orderline adviser it is a personal account order. Calls cost 13p per minute plus your telephone company's network access charge.

2.1.2 Full payment details are shown on every Damart or Sedagyl Order Form, including delivery charges.

2.1.3 We will provide a statement every month where there is any movement on the account, showing your orders, balances, payments, minimum payment required and payment due date.

2.1.4 You can choose to pay in full, or by regular monthly instalments. You can pay your account by direct debit, bank transfer, at the bank (some banks may charge if you do not bank with them) cheque, postal order and debit card. Alternatively, you can pay by cash at the Post Office (fee will be payable).

2.1.5 We reserve the right to vary the duration, interest charge and the minimum payment. We may do this if for example our costs, including the costs of borrowing, increase. Should this be necessary we will give you at least 28 days notice.

2.1.6 To calculate your approximate minimum repayment, simply divide the cash price of any item by 25, e.g. goods costing £75 could be paid for in 25 instalments of £3 plus service charges. If you repay more than the minimum payment the service charge will be reduced accordingly (written quotations are available on request).

2.1.7 If you place an order which exceeds your credit limit we may contact you to offer you an increase. We can change your credit limit at any time. We will notify you each time you are eligible for a credit limit increase. You can choose how you would like to manage future credit limit increases. You must choose between:
• 'AUTO INCREASE' - If you exceed your limit and we offer you a credit limit increase, this will be applied unless you reject it
• 'DO NOT AUTO INCREASE' - If you exceed your limit and we offer you a credit limit increase, this will not be applied unless you accept it
• 'DO NOT INCREASE' - If you exceed your limit we will not offer you a credit limit increase

You will be able to change these preferences at any time online at www.damart.com. Note that if you do not submit any preference we will assume that you wish to proceed with the 'DO NOT AUTO INCREASE' option, i.e. if we offer you a credit limit increase this will not be applied unless you accept it.

You can also ask us at any time to consider increasing your credit limit, or tell us that you would like a lower credit limit.

We may not offer you credit limit increases if we are concerned about your ability to repay.

A higher credit limit may increase the risk of taking on too much debt. This may be costly and take longer to pay off.
 

3.1 Damart is committed to delivering the highest possible standards of service. If you have a complaint relating to the operation of your Damart Personal Account please do so by contacting us by any of the following methods:
• call us on 0330 123 5429
• email us at customersatisfactionteam@damart.com
• visit our website www.damart.co.uk
• contacting us at the address as detailed in section 4.5 We will ensure that your issue is dealt with in line with our credit complaints policy.
3.2 We will:
3.2.1 Give your complaint immediate attention.
3.2.2 Aim to resolve complaints fully the first time you contact us. If we cannot do this, we will let you know why and keep you up to date with progress until it is fully resolved.
3.3 If you are not satisfied with our suggested resolution or if eight weeks have passed since you first brought your complaint to our attention, you have the right to refer your complaint to the Financial Ombudsman Service unless you are a business debtor, in which case you may have this right. If you want the Financial Ombudsman Service to look into your complaint, you must contact them within six months of the date of any final response issued by us. You can write to them at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
3.4 Alternatively you can phone 0800 023 4567. Further helpful information can be obtained from visiting the Financial Ombudsman Service website at: www.financial-ombudsman.org.uk
3.5 In the event you have a complaint regarding a product or service purchased from Damart, please contact us at customersatisfactionteam@damart.com. In the unlikely event that we are unable to resolve your complaint, and you are still not satisfied following the conclusion of our complaints handling procedure you may refer your complaint to The Retail Ombudsman which is a certified Alternative Dispute Resolution Provider. We will respond to any complaint referred to us by them. The Retail Ombudsman, 33 Floor Euston Road, London, NW1 3DP Email: enquiries@theretailombudsman.org.uk. Web: www.theretailombudsman.org.uk Tel: 0203 137 8268. Alternatively, if your complaint is regarding goods or services purchased from www.damart.co.uk and you are not satisfied with the resolution we have provided, the EU Online Dispute Resolution platform is available at www.ec.europa.eu/consumers/odr Please note following submission of your complaint on the EU platform you will be directed to The Retail Ombudsman. You may therefore refer your complaint directly to them.
 

4.1 When applying for a Damart personal account you should have been provided with a copy of our Privacy Policy (available at https://www.damart.co.uk/privacy-policy
or by contacting us using the details at 4.5 below), which explains how and why we acquire and use your personal information in accordance with the Data Protection Act 2018.
4.2 The personal information we collect about you is used by us to verify your identity, undertake credit assessments to inform our lending decisions, manage your account and to make collections. We may also use it to contact you in relation to this agreement (or for marketing purposes in accordance with your preferences) by post, email or telephone.
4.3 In considering whether to enter into this agreement, we may search your record at credit reference agencies and fraud prevention agencies. They will add to their records about you, details of our search and your application and this will be seen by other organisations that make searches. We may also disclose to credit reference agencies the details of your agreement, payments made and any default, suspicion of fraud or failure to maintain the terms of the agreement. More information about credit reference agencies and how they use personal information is available at https://www.equifax.co.uk/crain.
4.4 We will disclose your personal data when legally required to do so, for example at the request of government authorities conducting an investigation. We will also use it to verify or enforce compliance with our policies, for example governing our web site and applicable laws or to protect against misuse or unauthorised use of our web site.
4.5 We may use your personal information in accordance with your marketing consent preferences to notify you of products and/or services, offered by ourselves or (only where you have previously provided your explicit consent by way of an 'opt-in') of named third parties whose products and services we believe you may be interested in. You may have already opted-out of receiving these marketing communications from us but if not you may do so at any time by clicking the unsubscribe link in the email, or by contacting us either by writing to The Data Protection Manager at Damart, Bowling Green Mills, Lime Street, Bingley, West Yorkshire BD97 1AD or or by emailing us at dataprotection@damart.com
4.6 Your data remains on file for 6 years after your account is closed whether by you or in default.
 

5.1 We may transfer all or any of our rights under this agreement.
5.2 This agreement is governed by English Law (or the law of Scotland or Northen Ireland if you reside there). This agreement is in English and all communications regarding it shall be conducted in English.
5.3 Damart and Sedagyl are trading names of Damartex UK Limited which is authorised and regulated by the Financial Conduct Authority of 12 Endeavour Square, London, E20 1JN to provide Consumer Credit under these names pursuant to register number 264768.
5.4 Damart is a responsible lender and will monitor your individual payment performance on an ongoing basis. If we consider that you are experiencing repayment problems such that it would be irresponsible to offer you further credit we may decline to do so.
5.5 We reserve the right to refuse or restrict credit orders.

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Prize Draw Rules
*GRAND PRIZE DRAW RULES 2021: The promoter of the Grand Prize Draw 2021 is: Damartex UK Limited, Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD (Damart). This Grand Prize Draw 2021 may also be offered on Damart's behalf by other companies in Damart's Group (the Group). The prize offered is common to other promotions offered by Damart or the Group during the same period of validity. Entries into the Grand Prize Draw can be made between 1st January 2021 and 31st December 2021 (Eligible Period). All account holders who place an order for goods in the Eligible Period are eligible to enter the Grand Prize Draw by any of the following methods: 1) Post (using the address shown above) – Place an order on a relevant promotional order form or write to us and include the Offer Code printed on all applicable promotional order forms. 2) Telephone – Quote the Offer Code when contacting the Customer Services Team. 3) Internet – Quote the Offer Code when ordering on our website (www.damart.co.uk). All entries must be received and validated by the closing date of 31st December 2021. The Grand Prize Draw consists of one prize of £50,000 cash (or alternative promoted items and cash to a total of £50,000) to be awarded to the first eligible name drawn at random. The Grand Prize Draw Winner will be notified by telephone or post approximately 30 days after the closing date. The name and county of the Grand Prize Draw Winner will be available on request by sending a stamped addressed envelope to 'Prize Draw Winners' to our address detailed above. By entering the Grand Prize Draw you are providing your consent to your name and photograph being used in the Group's promotional material if you are drawn as the winner. You may withdraw your consent in writing at any time. All entrants must be residents of the United Kingdom, be aged 18 or over and have an open account with Damart and be the account holder for that account. Persons involved in the promotion and execution of the Grand Prize Draw, employees of any company in the Group, their agents and their relatives are not eligible to enter the Grand Prize Draw. The prize is not transferable.  Top^

5 x £1,000 Prize Draw Rules 2021 
The promoter of the 5 x £1000 Prize Draw 2021 is: Damartex UK Limited, Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD (Damart). The prizes offered are common to a number of promotions offered by Damart during the period of validity. Entries into the 5 x £1000 Prize Draw can be made between 1st January 2021 and 31st December 2021 (Eligible Period). All account holders who place an order for goods with an appropriate Offer Code in the Eligible Period are eligible to enter the 5 x £1000 Prize Draw by any of the following methods: 1) Post (using the address shown above) – Place an order on a relevant promotional order or write to us and include the Offer Code printed on all applicable promotional order forms. 2) Telephone – Quote the Offer Code when contacting the Customer Services Team. 3) Internet – Quote the Offer Code when ordering on our website (www.damart.co.uk). All entries must be received and validated by the closing date of 31st December 2021. The 5 x £1000 Prize Draw consists of five prizes of £1,000 cash to be awarded to the first five eligible names drawn at random. The 5 x £1000 Prize Draw Winners will be notified by telephone or post approximately 30 days after the closing date. The names and counties of the 5 x £1000 Prize Draw Winners will be available on request by sending a stamped addressed envelope to 'Prize Draw Winners' to our address detailed above. By entering the 5 x £1000 Prize Draw you are providing your consent to your name and photograph being used in the Group's promotional material if you are drawn as a winner. You may withdraw your consent in writing at any time. All entrants must be residents of the United Kingdom, be aged 18 or over and have an open account with Damart and be the account holder for that account. Persons involved in the promotion and execution of the 5 x £1000 Prize Draw, employees of any company in the Group, their agents and their relatives are not eligible to enter the 5 x £1000 Prize Draw. Prizes are not transferable. Top^

100 x £50 Prize Draw Rules 2021 
The promoter of the 100 x £50 Prize Draw 2021 is: Damartex UK Limited, Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD (Damart). The prizes offered are common to a number of promotions offered by Damart during the same period of validity. Entries into the 100 x £50 Prize Draw can be made between 1st January 2021 and 31st December 2021 (Eligible Period). All account holders who place an order for goods in the Eligible Period with an appropriate Offer Code are eligible to enter the 100 x £50 Prize Draw by any of the following methods: 1) Post (using the address shown above) – Place an order on a relevant promotional order form or write to us and include the Offer Code printed on all applicable promotional order forms. 2) Telephone – Quote the Offer Code when contacting the Customer Services Team. 3) Internet – Quote the Offer Code when ordering on our website (www.damart.co.uk). All entries must be received and validated by the closing date of 31st December 20. The 100 x £50 Prize Draw consists of one hundred prizes of £50 cash to be awarded to the first one hundred eligible names drawn at random. The 100 x £50 Prize Draw Winners will be notified by telephone or post approximately 30 days after the closing date. The names and counties of the 100 x £50 Prize Draw Winners will be available on request by sending a stamped addressed envelope to 'Prize Draw Winners' to our address detailed above. By entering the 100 x £50 Prize Draw you are providing your consent to your name and photograph being used in the Group's promotional material if you are drawn as a winner. You may withdraw your consent in writing at any time. All entrants must be residents of the United Kingdom, be aged 18 or over and have an open account with Damart and be the account holder for that account. Persons involved in the promotion and execution of the 100 x £50 Prize Draw, employees of any company in the Group, their agents and their relatives are not eligible to enter the 100 x £50 Prize Draw. Prizes are not transferable. Top^

Win Your Order Prize Draw Rules 2021
The promoter of this Prize Draws is: Damartex UK Limited, Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD (Damart). The prize offered is common to a number of promotions offered by Damart during the period of validity. Entry into the WIN YOUR ORDER Prize Draw can be made between the dates indicated in the promotion (Eligible Period). All account holders who place an order for goods with an appropriate Offer Code in the Eligible Period are eligible to enter the WIN YOUR ORDER Prize Draw by any of the following methods: 1) Post (using the address shown above) – Place an order on a relevant promotional order or write to us and include the Offer Code printed on all applicable promotional order forms. 2) Telephone – Quote the Offer Code when contacting the Customer Services Team. 3) Internet – Quote the Offer Code when ordering on our website (www.damart.co.uk). All entries must be received and validated by the closing date indicated in the promotion. The WIN YOUR ORDER Prize Draw consists of one cash prize equal to the total price of goods ordered by the winner to be awarded to the first name drawn at random. The WIN YOUR ORDER Prize Draw Winner will be notified by telephone or post approximately 30 days after the closing date. The names and counties of the Prize Draw Winner will be available on request by sending a stamped addressed envelope to 'Prize Draw Winners' to our address detailed above. By entering the WIN YOUR ORDER Prize Draw you are providing your consent to your name and photograph being used in the Group's promotional material if you are drawn as a winner. You may withdraw your consent in writing at any time. All entrants must be residents of the United Kingdom, be aged 18 or over and have an open account with Damart and be the account holder for that account. Persons involved in the promotion and execution of the WIN YOUR ORDER Prize Draw, employees of any company in the Group, their agents and their relatives are not eligible to enter the WIN YOUR ORDER Prize Draw. Prizes are not transferable.Top^

1 x £1,000 Prize Draw Rules 2021
The promoter of the 1 x £1000 Prize Draw 2021 is: Damartex UK Limited, Bowling Green Mills, Lime Street, Bingley, West Yorkshire, BD97 1AD (Damart). The prize offered are common to a number of promotions offered by Damart during the period of validity. Entries into the 1 x £1000 Prize Draw can be made between 1st January 2021 and 31st December 2021 (Eligible Period). All account holders who place an order for goods with an appropriate Offer Code in the Eligible Period are eligible to enter the 1 x £1000 Prize Draw by any of the following methods: 1) Post (using the address shown above) – Place an order on a relevant promotional order or write to us and include the Offer Code printed on all applicable promotional order forms. 2) Telephone – Quote the Offer Code when contacting the Customer Services Team. 3) Internet – Quote the Offer Code when ordering on our website (www.damart.co.uk). All entries must be received and validated by the closing date of 31st December 2021 The 1 x £1000 Prize Draw consists of one prizes of £1,000 cash to be awarded to the first eligible name drawn at random. The 1 x £1000 Prize Draw Winners will be notified by telephone or post approximately 30 days after the closing date. The names and countie of the 1 x £1000 Prize Draw Winners will be available on request by sending a stamped addressed envelope to 'Prize Draw Winners' to our address detailed above. By entering the 1 x £1000 Prize Draw you are providing your consent to your name and photograph being used in the Group's promotional material if you are drawn as a winner. You may withdraw your consent in writing at any time. All entrants must be residents of the United Kingdom, be aged 18 or over and have an open account with Damart and be the account holder for that account. Persons involved in the promotion and execution of the 1 x £1000 Prize Draw, employees of any company in the Group, their agents and their relatives are not eligible to enter the 1 x £1000 Prize Draw. Prizes are not transferable.Top^

Social Media Competitions

Please read the following terms and conditions to enter our social media competitions:

• The competition is open to any UK resident. This excludes entries from Northern Ireland, the Channel Islands, the Isles of Scilly and the Isle of Man.
• Entry into the competition will be deemed as acceptance of the terms and conditions.
• Entrants must be 18 years of age and above
• Winners will be chosen at random. Damart reserves the right to exclude entries or remove inappropriate or fraudulent entries.
• Entries made after the closing dates will not be counted.
• The judge's decision is final.
• There is no cash alternative for the prize.
• This competition is in no way sponsored, endorsed or administered by or associated with, Facebook, Instagram or Twitter.
• In the event of the prize featured in the competition becoming unavailable, a similar alternative will be offered.
• By submitting images into the competition, you grant permission to Damart exclusive license to reproduce the images on the Damart family websites and blog, and related social media accounts.
• The winner(s) agree(s) to the use of their name, photograph, relevant testimonial and disclosure of county of residence and will co-operate with any other reasonable requests by Damart relating to any post-winning publicity.

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Offer Codes

Offer Codes are subject to availability. Offer Codes can only be used once and cannot be used in conjunction with any other promotion or offer. Offer Codes cannot be deducted from an order already in progress, or exchanged for cash. The offer is only applicable to the recipient of the promotion made via post or email and is non-transferable. Damart reserve the right to withdraw any offer without notice and reserve the right to reject use of an offer at our discretion where we have reasonable grounds to believe that the offer is being used other than in accordance with these terms and conditions. Top^

 

Disputes & Complaints
Damart is committed to delivering the highest possible standards of service. Occasionally, despite our best efforts, things do go wrong. Please let us know when this happens and we will do our best to put them right straight away. We aim to delight customers with our response to issues they may have and all complaints are logged, investigated and replied to. In the unlikely event that we can't resolve things immediately, we will confirm receipt of your complaint within 5 working days and in most cases resolve it within 2 weeks. You can:

• Email: customersatisfactionteam@damart.com.
• Write to: The Head of Customer Satisfaction, Damart, Bowling Green Mills, Lime Street, Bingley, West Yorkshire BD97 1AD.
• Call us on 0330 123 5429 between 09.00 and 17.00 Monday to Friday

Financial complaints related to our consumer credit offer, if not resolved within 8 weeks, may be referred in writing to the Financial Ombudsman Service.

In the event you have a complaint regarding a product or service purchased from Damart, please contact us at customersatisfactionteam@damart.com.
In the unlikely event that we are unable to resolve your complaint, and you are still not satisfied following the conclusion of our complaints handling procedure you may refer your complaint to The Retail Ombudsman which is a certified Alternative Dispute Resolution Provider. We will respond to any complaint referred to us by them.
The Retail Ombudsman, 33 Floor Euston Road, London, NW1 3DP
Email: enquiries@theretailombudsman.org.uk. Web: www.theretailombudsman.org.uk
Tel: 0203 137 8268
Alternatively, if your complaint is regarding goods or services purchased from damart.co.uk and you are not satisfied with the resolution we have provided, the EU Online Dispute Resolution platform is available at www.ec.europa.eu/consumers/odr Please note following submission of your complaint on the EU platform you will be directed to The Retail Ombudsman. You may therefore refer your complaint directly to them. . Top^

Complaints Publication Report
 

Firm Name	Damartex UK Limited
Period Covered in this report	1st July 2019 to 30th June 2020
Brands / Trading names covered	Afibel, Damart & Sedagyl
	Contextualised Complaint Numbers	Number of Complaints Opened	Number of Complaints Closed	Percentage Closed within 3 days	Percentage closed after 3 days but within 8 weeks	Percentage Upheld
Credit related	9.19 complaints per 1,000 accounts	1741	1737	58.32%	35.23%	70.58%

 
 

Terms of Use

This website is operated by Damartex UK Ltd, Bowling Green Mills, Lime Street,. Bingley, West Yorkshire, BD97 1AD. Company No. 852773 VAT No. GB427865321.
 

Accuracy of Information
Every effort has been made to ensure the accuracy of information and pricing supplied in our website as well as the description and colours of products that appear on our site. However, as the colours you see depend on your monitor we cannot guarantee that your monitor display of any colour will be accurate. We accept no liability for any inaccuracies or omissions contained in this website or any decisions based on information in this site. Prices and availability of goods are subject to change without notice. Unless otherwise stated all our products are machine washable. Prices include VAT. Damart is not responsible for any inconvenience and/or damage resulting from the use of this website, including, but not restricted to any interruptions in the availability of the website, the presence of computer viruses or external intrusions, or, more generally, any case defined as outside our control by UK & US law. Top^

Copyright
All components of our website are protected by UK copyright and trademark law. They are the exclusive property of Damart and cannot be copied, duplicated or downloaded in full or part without Damart's prior specific authorization. Top^

External Links
Our website may offer hyperlinks to other 3rd party websites. Damart is not responsible for the content of or access to these websites and links to any other sites are provided in good faith. Top^

Linking to Us
If you maintain a personal website and would like to include a simple hypertext link to our home page, please contact us to apply for authorization. However, it is prohibited to provide any deep hypertext link to a secondary page on our website and in all cases, hypertext links must be removed at Damart's request and within a reasonable period of time which will be stated. This can include termination of any permissions previously granted. Top^