ࡱ> `b_g 0]bjbj 40x jx j5'?!?!?!?!?!S!S!S!8!4!4S!OSp!("(C"C"C"B%B%B%RRRRRRRUuXR?!'B%B%''R?!?!C"C" S)))'^?!C"?!C"R)'R))BxJ OC"Lzy+(XNfRS0OSNEYs(EYOO&EY?!PB%Z%@)%4&B%B%B%RR)B%B%B%OS''''EYB%B%B%B%B%B%B%B%B%Y  : This is the text only version of the Easy English document. Lay-by. Easy English fact sheet You might need help to read this fact sheet. A friend, family member or support person can help you. What is a lay-by? You want to buy something. You pay for it slowly. You pay a deposit first. A deposit is part of the full price. You make 2 or more payments. You can ask the shop to highlight or circle how much you have left to pay. You have a set amount of time to pay. The shop keeps the product. You get the product when you finish paying for it. Different shops have different lay-by rules. Some shops may not have lay-by. What is good about lay-by? You do not have to pay any interest. Interest is extra money you pay to the shop Most lay-bys do not have any fees. You do not have to get a loan or use a credit card. What happens when you lay-by? You will get a contract. The contract might be your receipt. The shop must give you a copy of the contract. You can get a fact sheet about contracts from Consumer Affairs ɫƵ. Rules for a lay-by contract The contract must be in writing have all the rules. For example, fees when you cancel be easy to read. For example, use plain words. The shop must give you a copy. The lay-by contract must say what you are buying the total price how much deposit you paid how much you still must pay the date you must pay how much money you must pay if you cancel or stop the lay-by the shop name, address and phone numbers any other rules for the lay-by. Before you sign the contract Read the contract. Understand the contract. When you are happy, sign the contract. Stopping a lay-by Rules for you You must stop before you get the product. You might have to pay a fee. You do not have to pay a fee if the shop breaks or damages the product before you get it. You must tell the shop you want to stop a lay-by. The shop might ask you to fill out a form. Rules for the shop If you break the rules in a lay-by contract, the shop can stop the lay-by. If you do not fix the problem the shop can stop your lay-by. The shop may charge you a fee if you stop the lay-by. The shop must give you back any money you have already paid. Consumer Affairs ɫƵ More fact sheets and information List of fact sheets in Easy English Buying furniture Contracts Lay-by Phone and door to door sales Renting when you start Renting during a tenancy Renting ending a tenancy Refunds, replacements and repairs Scams Services Shopping tips Phone 1300 55 81 81 Mail GPO Box 123 Melbourne ɫƵ 3001 Fax 03 8684 6295 Interpreter 131 450 National Relay Service 133 677 Email HYPERLINK "mailto:consumer@dgs.vic.gov.au"consumer@dgs.vic.gov.au Website  HYPERLINK "http://www.consumer.vic.gov.au" www.consumer.vic.gov.au This information is written in Easy English. You might need more information about the law. You can ask Consumer Affairs ɫƵ. Updated April 2015. Easy English fact sheet produced by Scope, July 2008. Look at Clear Written Communications. The Easy English Style Guide for information about the format and writing style of this document. You can find more information at www.scopevic.org.au or phone (03) 9843 2000. Scope (Vic) Ltd. You may use this document for your own personal, non-commercial purposes only. You must not use the document for any other purpose, and must not copy, reproduce, digitise, communicate, adapt, modify the document or any part of it (or authorise any other person to do so) without the prior consent of Scope (Vic) Ltd. Scopes Communication and Inclusion Resource Centre wrote the Easy English. April 2015. www.scopevic.org.au The Picture Communication Symbols 19812010 by Mayer-Johnson LLC. All Rights Reserved Worldwide. Used with permission. Boardmaker is a trademark of Mayer-Johnson LLC. Valuing People ClipArt Inspired Services, UK.     PAGE 1 PAGE 1 <=EF]^   G Z b c d  % R ] a d q r s   ! $ 7 V Ҽxh,Gph~-5B*\phh,Gph~-0J,h~-h~-5\h,Gp h,Gph~- h~-h~-!h~-h~-@B*^JaJph+h~-h~-5@B*CJ$\^JaJ$phh{"@B*^JaJph h~-0J&h~-h @B*^JaJphh\.hzy/<=EF^ G % R gd,Gpdh*$7$8$9DH$gd,Gpdh7*$7$8$9DH$gd,Gpdhgd{"dh*$7$8$9DH$gd~-dhgd~-dhgd~-dhgd dhgd R r 7 V W   + = K   - dh7*$7$8$9DH$gd,Gpdh*$7$8$9DH$gd,Gpgd,Gpgd,GpV W p   + = K ] l   - @ D J W [ ` s w 12XYZfglmʹ%h,Gp5@B*CJ$\^JaJ$phh~-@B*^JaJph h~-h#h,Gph,Gp@B*^JaJph!h~-h~-@B*^JaJph+h~-h~-5@B*CJ$\^JaJ$ph h,Gph~- h~-h~-!h~-h~-@B*^JaJph2- J ` 12Ylm|} S~Tdh*$7$8$9DH$^Tgd,Gpdh7*$7$8$9DH$gd,Gpdh*$7$8$9DH$gd,Gpgd,Gpm|} Sw}~S2Kfwڴڢh#h ?h hAhzIIhA5hzIIhA5CJ$h,Gph,Gp@B*^JaJphh~-@B*^JaJph h,Gph~-h,Gph~-5\ h~-h~-!h~-h~-@B*^JaJph'h~-h~-5@B*\^JaJph2~S2Kf & F0gdAgdAdhgdAd0*$7$8$9DH$gd~-gd,Gpdh*$7$8$9DH$gd,Gp/0RSuvJKdh*$7$8$9DH$gdP6gdh*$7$8$9DH$gd dhgd gd~-/0RSZ[MNZsuv~Iɶð}oh$@B*^JaJphhP6g@B*^JaJph'h h 5@B*\^JaJph!h h @B*^JaJph hO 0J+h0Ph 0J^JaJ h 0J+jh 0J+Uh#h#0Jh#h 0Jjh#Uh#jh#Uh 'IJKm:?[3456789:;<=>?@ABHIJKLMNOUV²®¦tpph'h'0JmHnHu h'0Jjh'0JUh{jh{UhNh?B*phh?hlh7]h|0%h?5OJQJ\^J h|0%h?h\.$h h >*@B* ^JaJph$@!h h @B*^JaJphh @B*^JaJph,[578:;=>@ALMNYZ[\] hh]h`h&`#$gd7]gd?d0*$7$8$9DH$gd VWXYZ[\]hNh?B*phhNh' h'0Jjh'0JUhFh 0JmHnHu2&P :pA. A!"#n$% DyK yK Vmailto:consumer@dgs.vic.gov.auyX;H,]ą'c.x2&6FVfv2(&6FVfv&6FVfv&6FVfv&6FVfv&6FVfv&6FVfv8XV~ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@ 0@66666_HmH nH sH tH J`J \NormaldCJOJQJ_HmH sH tH J@J  Heading 1$d@&5CJ OJQJJJ xX Heading 2$dh@&5CJOJQJHH  Heading 3$@&` CJ$OJQJNN  Heading 4$d@&` CJOJQJZZ  Heading 5$ d@&^ `5CJ OJQJRR  Heading 6$d@&`5CJ OJQJRR  Heading 7$d@&`5CJ$OJQJRR  Heading 8$d@&^5CJ$OJQJN N  Heading 9 $ d@&` CJOJQJDA`D Default Paragraph FontViV  Table Normal :V 44 la (k (No List @B@ Body Textd CJOJQJ0U`0 Hyperlink>*B*VCV Body Text Indentd^ CJOJQJ4 @"4 Footer  !.)@1. Page Number@V A@ FollowedHyperlink>*B* ZRRZ Body Text Indent 2 d^ CJOJQJSb Body Text Indent 3 dC$Eƀ^ CJOJQJ>' q> Comment ReferenceCJ44  Comment TextHH _U Balloon TextCJOJQJ^JaJ@j@ Comment Subject5\NON Zro0Bullet  & F, ^`mH sH >> ")0 Sub Bullet & F/d:/: Zro0 Bullet Char CJOJQJPOP \.0Bodyd0*$7$8$9DH$@B*^JaJphF/F \.0WEBSITE >*B* CJOJQJ^JaJph$@&/& \.0bold5\dd \.0Heading!d07*$7$8$9DH$5@B*CJ$\^JaJ$phdd \.0 Sub Heading"d0*$7$8$9DH$5@B*\^JaJph:2: \.0 left indent #T^TFBF \.0Sub bullet indent $^fRf \.0 Left indent %Td0*$7$8$9DH$^T@B*^JaJph&oa& 0Bold5\B/qB 0 Bold and blue5B*\phjj 0 Bullet indent (Td0*$7$8$9DH$^T@B*^JaJph~~ 0Bullet after number() Td0*$7$8$9DH$^@B*^JaJph 0Bullet after number indent *d0*$7$8$9DH$^@B*^JaJphLoL 0 Hyperlinks >*B* CJOJQJ^JaJph$@*W`*  Strong5\RvR #0Unresolved MentionB*ph`^\q PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V (BO)MBT.$@0H!A>풠Uc-zD[&!rX=}zC0` ި%.]Ssd--7 +fOZեrŵVœ\lji2ZGwm-3˵j7\ Uk5FҨ-:xRkcr3Ϣ+9kji9OP Et-j|#p;E=Ɖ5Z2sgF=8 K}*7c<`*HJTcB<{Jc]\ Ҡk=ti"MGfIw&9ql> $>HmPd{(6%z:"'/f7w0qBcF6f Iöi1(\}B5ҹ~Bcr6I;}mY/lIz1!) ac 1fm ƪN^I77yrJ'd$s<{uC>== Ƌ(uX=WA NC2>GK<(C,ݖm: &-8j^N܀ݑ$4:/x vTu>*ٞn{M.Ǿ0v4<1>&ⶏVn.B>1CḑOk!#;Ҍ}$pQ˙y')fY?u \$/1d8*ZI$G#d\,{uk<$:lWV j^ZơSc*+ESa1똀 k3Ģxzjv3,jZU3@jWu;z \v5i?{8&==ϘNX1?  O4׹ӧCvHa01 %xz24ĥ=m X\(7Xjg !Ӆqd? cG7.`~w*?, 2 nN*"Fz_&n &\ F:l[+%f ]O0 &&&)V mIV] R - ~] Z ]XX  ")!T!T\ 0e0e     @  5% 8c8c     ?A)BCD|E||@0(  B S  ?\|]|^| _|`|a| 00^ 22^B*urn:schemas-microsoft-com:office:smarttagscountry-region8*urn:schemas-microsoft-com:office:smarttagsCity:*urn:schemas-microsoft-com:office:smarttagsStreet;*urn:schemas-microsoft-com:office:smarttagsaddress9*urn:schemas-microsoft-com:office:smarttagsState9*urn:schemas-microsoft-com:office:smarttagsplace  \l#Q Y 578:;=>@A[^S 578:;=>@A[^+K-2 2 578:;=>@AKL[^]]@DW[sw  Z 455788:;=>@A[^0l<c@@?\ e {O_~ ePO *\6[0~c@3 c@nd'%{Og'*6[ch+c@G(+|n .f+c@->#-X>1c@R4+5{O|W7bzb+9c@"i=ޟKtcC;IDc@NHBH gHz|JBNZIOq4Q{O%Q2*7 U@G=Y(wEY@ Zq6Qa \+e `1#-NHBHPOzb+9X>1 .f+3 l<ch+0~;IDyrmz|J'%]w{+54QZoe IO Z"i=tKs1yMm|W7G(+\+eYo 00                                   t7L{TxRH~ 4h O E Fh  g)?5\#D$]J&H)O*Go,q-~-E.\.IT/P"2D3N4j7H 8-38s):<K=X=%? B*BvB C IzII4L N*U_UX[G\7].A`ceq#gP6g3hknk8kNlf6oZro,GpuE$wTy0WyzyI|%h{"x.?r5:D@)>?F? AA033P >Bx -MxXLVzZ:c!Ss{q=4,nFEB?GP{F#*==")H YLZC^\{ pLW$26NAlNEk[UQ?[FQA&`X lZ 8OnZ0~y8A(#'+I Ut ?" i(F$y#JXOpd57@]@Unknown G.[x Times New Roman5Symbol3. .[x ArialM Arial-BoldMTArial5..[`)TahomaC. Aptos Display3. Aptos?= .Cx Courier New;WingdingsA$BCambria Math"qh ˧ ˧2fE E a0.. 3Q@P?N2! xxs Layby Easy English factsheetShoppingConsumer Affairs VictoriaDavid M Darragh (DJCS)0                           ! " # $ % & ' ( ) * + , - . / Oh+'0 8D d p |  Layby Easy English factsheet ShoppingConsumer Affairs ɫƵ Normal.dotmDavid M Darragh (DJCS)3Microsoft Office Word@G@x.^@J%+@jm+E  ՜.+,D՜.+,X hp  Dept. of Justice. Layby Easy English factsheet Title4 hNVJbn     _PID_HLINKSTRIMID TRIM_DateDue TRIM_AuthorTRIM_Container TRIM_CreatorTRIM_DateRegistered TRIM_OwnerLocation TRIM_ResponsibleOfficer TRIM_TitleA 6k http://www.consumer.vic.gov.au/;mailto:consumer@dgs.vic.gov.auCD/15/123713* MULLINS, Roslyn DG/13/37738MULLINS, Roslyn25 March, 2015$Services & Support Division (CAV) (Publication - FINAL Lay-by_text only  "#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNPQRSTUVXYZ[\]^aRoot Entry F"y+cData 1Table!ZWordDocument40SummaryInformation(ODocumentSummaryInformation8WCompObjr  F Microsoft Word 97-2003 Document MSWordDocWord.Document.89q