Lay-by with 25% deposit, followed by 3 further payments OF 25% at monthly intervals. A minimum of 1 day’s notice is required before picking up Click & Collect lay-bys. Larger items may be stored in our warehouse and may not be accessible without prior notice. Regular payments must be made at least once a month as part of the lay-by payment plan. Failure to meet these requirements will result in the cancellation of the lay-by. Cancelled lay-bys will incur a service fee of $25. Any remaining balance will be refunded. Customers may be refused future lay-bys if a previous lay-by has been cancelled.