Lay-bys are not exchangeable. Cancellation will incur a 20% restocking fee on the full purchase price. There will be no cash refund for incomplete lay-bys . Initial deposit for all lay-bys needs to be at least 10%. Payments are required to be made at least once a month. Lay-bys must be finalised on or before due date, or it will, following written notification, be cancelled and goods will be returned to stock. Full payment is required before any items can be picked up, posted or delivered.