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Standard Terms of Trading


1 - Acceptance of Orders:
All contracts of sale made by Scott & Sargeant Woodworking Machinery Ltd ("The Company") shall be deemed to incorporate these terms & conditions which shall prevail over any other document or communication from the party with whom the Company is dealing ("The Customer") All orders are accepted & fulfilled subject to these conditions under English Law unless otherwise agreed in writing. In these conditions "we", "us" & "our" refer to The Company. You can write to us at 1 Blatchford Road, Horsham, RH13 5QR or send e-mail to These are also the addresses to write to if you have any complaints. "You" & "your" refer to the customer who places an order with us. We reserve the right not to accept any order. Once your order is accepted by us, a contract will come into force, on the terms & conditions set out here.

2 - Price:
All prices are ex works & exclude VAT or any taxes. Customers will be invoiced for delivery at the current rate. Maintenance of prices is not guaranteed, & they are subject to alteration without notice. Every effort is made to ensure that our prices & descriptions are accurate. If an error is found or if manufacturer's prices or products change, we will inform you as soon as possible & offer you the option of cancelling your order or reconfirming your order with the revised price or product. We are under no obligation to provide goods to you at an incorrect (lower) price if the pricing error is obvious & could reasonably have been recognised by you as a pricing error.

3 - Invoices:
Goods are invoiced at the prices ruling at the time of despatch. VAT where applicable will be applied to all goods or services supplied at the rate in force at the time of invoice.
A. Whilst every effort will be made to despatch the goods on time, no liability can be accepted by the Company for failure to deliver the goods in the specified time. All delivery times quoted are business estimates only & form no part of any contractual obligation.

B. The Company will accept no liability for shortages, damage, or non delivery of goods, unless the customer notifies the Company in writing within three days of receipt of goods or invoice.
C. The Company's liability for the safety of the goods ceases upon the Company placing the goods under the control & direction of the carrier.

4 Payment:
All goods must be paid for in full prior to despatch or paid in full within 30 days from invoice date for authorised credit account holders. Any payments that are overdue will bear interest at the rate of 2% per annum above the base rate of HSBC Bank plc from the date that payment was due until the date of actual payment.

5 Title:
Ownership of the goods shall remain with the Company until payment in full has been received. Until such payment has been made, the Company may at any time (and with out prejudice to any of its other rights) recover or resell the goods or any part of them & may enter the customers premises for this purpose. If you sell the goods you agree to hold the sale proceeds upon trust for us until you have paid us for them in full.

6 Specifications:
Technical data, dimensions & weights etc., quoted are a guide only & no guarantee is given or implied that the goods will conform in absolute detail to the descriptions & illustrations. The Company reserves the right to amend specifications & to withdraw goods from this catalogue without prior notice.

8 Suitability:
Other than expressly stated in the catalogue or manufacturers brochures, the Company makes no representations as to the fitness or suitability of any goods for any purpose whatsoever.

9 Liability:
The Company shall under no circumstances whatsoever be liable for any indirect or consequential loss howsoever caused. The Company's liability for any non-performance of any order shall be limited to the value of the goods to which the claim relates .

10 Claims:
Non-delivery or damage must be notified to the Company in writing within three days. Inspection of goods on delivery prior to signing acceptance is essential. Carriers' notes for delivery of goods must be endorsed accordingly. Note: Failure to observe the proper claims' procedure will invalidate the Company's contractual liability under these conditions of sale.

11 Returns:
Undamaged, unopened & fully marketable goods may be returned by prior agreement of the Company, who reserve the right to make a cancellation or administrative charge. If you have already received the goods:
a) you can only exercise this right to cancel your order if the goods are still in a re-saleable condition & you have retained the packaging;
b) you must return the goods to us at your own cost to the address in clause 1 of these conditions (unless we are at fault, in which case we will arrange collection);
c) you must take care to ensure the goods are not damaged in the meantime; &
d) if you do not return the goods as required, we may charge you the costs of recovering them ourselves.

12 Cancellation:
All monies paid form part of a contract of sale & are non-refundable. Orders will be considered cancelled upon notice from the customer, or failure to take delivery of the goods within a period of 30 days from when the Company notifies the Customer that the goods are ready for despatch. If for any reason the customer fails, or refuses to take delivery of the goods at the time that such goods are due & ready for delivery, the customer will be in breach of contract. The Company may sell or otherwise dispose of the goods without prejudice to the Company's right to legal redress for loss suffered in consequence of the customers failure to take delivery of the goods.

13 Storage:
Goods paid for in full, or part paid, may be stored at the Company's discretion by prior arrangement. Storages charges will accrue at a rate of 1% of the invoice value per month following the date after which the customer failed to arrange collection or refused to accept delivery. This amount will be payable before any subsequent collection / delivery.

14 Delivery:
Delivery encompasses the mode of transport of the goods or machine(s) to the customer's address. If offloading has been expressly included in writing within the terms of delivery, the machine(s) remain(s) the haulier's responsibility until they have been offloaded from the vehicle to the ground. Whilst contracted drivers may assist with manouevering machinery into a customer's workshop. Once the machine has been removed from the vehicle, responsibility passes to the customer as regards logistics & for the purposes of liability. If our engineers are to commission or install machinery, unless expressly stated in writing on the customer's acknowledgement of order or invoice and notwithstanding any assistance / advice that Scott & Sargeant's engineers may provide, the customer is responsible for any moving into place and siting of the machinery. In any instance that Scott & Sargeant are responsible for moving machinery at or into a customer's site, the relevant Risk Assessment documentation will be provided

15 Second hand machines:
May not necessarily comply with the Health & Safety at Work Act 1974 or any other Act or Acts or Regulations thereunder governing the use of that plant machine or equipment in a working environment. The Customer must ensure prior to use that the use of any such piece of plant, machine or equipment does not contravene any such relevant Act or Regulation. In the case of exported machines, it is the responsibility of the Customer to ensure that local acts & regulations are complied with.

16 Special Terms:
Any machine sold in "existing condition" or "as seen" will be supplied without any guarantee as to function, condition, or fitness for purpose either express or implied. The customer shall carry out a risk assessment to ensure that the machine is safe & without risk to health & safety, & this undertaking shall have the effect of relieving the Company of any liability thereto.

17 Health & Safety Notice
INSTALLERS: Persons who install this machine for use at work have a duty under Section 6 of the Health & Safety at Work etc Act 1974 to ensure so far as is reasonably practicable that nothing about the way in which it is installed makes it unsafe or a risk to health at all times during setting, use, cleaning, maintenance. This may include such aspects as correct assembly, electrical installation, construction of enclosures, fitting of guards & chip & dust extraction equipment. When installing the machine, consideration must be given to adequate lighting & working space.
USERS: Where applicable, machines are supplied complete with all necessary safeguards to enable the user to comply with the Provision & Use of Work Equipment Regulations 1992, & where applicable, Regulation 20 & Regulation 39 of the Woodworking Machinery Regulations 1974. Details of correct installation & use together with guidance on fitting & proper adjustment of guards are described in accompanying manuals. The user shall shall carry out a risk assessment to ensure that the machine is safe & without risk to health & safety prior to use. Under the above legislation, employers have a legal duty to ensure that guards & other safety devices are suitable, & are maintained in efficient working order & in good repair. Employees also have to take responsible care for their's & other's health & safety, & cooperate with their employer in meeting health & safety requirements. Before commencing work, ensure that tools are set to cut in the right direction, secured, & sharp. Ensure that all guards & safety devices are in place & secured. Routine maintenance instructions are contained in manufacturers' instruction manuals. Repairs & maintenance must only be undertaken by competent persons.

TRAINING: Machine operators must have received sufficient training & instruction as to the dangers arising in connection with the machine, precautions to be observed, & the requirements of the Woodworking Machinery Regulations 1974 which apply except where they work under the adequate supervision of a person who has a thorough knowledge & experience of the machine & the required safeguards. Persons under the age of 18 must have successfully completed an approved course of training before operating this machine at work unless participating in a course of training under adequate supervision. (This applies only to any sawing machine fitted with a circular blade, any planing machine for surfacing which is not mechanically fed, or any vertical spindle moulding machine).

DUST: Employers have duties under the Factories Act 1961. The Health & Safety at Work etc Act 1974 & the Control of Substances Hazardous To Health regulations 1994 to control dust in the workplace. Wood dust can be harmful to health by inhalation & skin contact, & no-one should be exposed to airborne concentrations of wood dust greater than 5mg/cm averaged over & 8 hour day. In addition, concentrations of small dust particles in the air can form an explosive mixture. These concentrations usually occur in dust extraction equipment which may be destroyed unless explosion precautions have been taken in the design & installation of the equipment. Employers must carry out an adequate assessment of the risks to their employees' health arising from wood dust, & steps taken to control it, by, so far as is reasonably practicable, exhaust ventilation & enclosures rather than by the use of personal protective equipment. Free advice leaflets are available from the Health & Safety Executive.

NOISE: Noise levels can vary widely from machine to machine depending on conditions of use. The Noise at Work Regulations 1989 require employers to take reasonable practicable measures to reduce noise levels where any person is likely to be exposed to a continuous noise level of 90dB(A) or more over an 8 hour working day. Additionally, employers must make available suitable ear protectors at equivalent noise levels of 85dB(A) & ensure that they are properly maintained & worn at levels of 90dB(A) or more. Information about airborne noise emissions from machines can be found in manufacturers' instruction manuals. Where necessary to construct a sound enclosure, professional advice should be sought.

Pay by Finance - excluding Ireland

How do I choose to PaybyFinance?

Just select the finance option on the checkout page.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start 12> months after the agreement has been signed.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Scott & Sargeant Woodworking Machinery Ltd trading as Scott and Sargeant you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details. Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

How quickly will my finance application be approved?

All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If you your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.

If my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Scott & Sargeant Woodworking Machinery Ltd trading as Scott and Sargeant will be notified and you need do nothing more. If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoringb does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

What is APR and Rate of Interest?

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.

Pay in stages with Iwoca

Pay in 3 or 12 options available with iwocaPay for Ltd companies

Scott & Sargent & iwocaPay understand that cash flow & making big purchases are sometimes difficult for small to medium-sized businesses. iwocaPay provides a convenient and secure way to spread the cost of an order over 3 or 12 months for Ltd companies. With nothing to pay for 30 days, customers can buy what they need now without a big impact on their cash flow. iwocaPay is available for UK Limited Businesses on orders from £150 to £15,000 pay-in-3 or 12!

How to pay with Iwoca Online Checkout:

Select ‘iwocaPay’ at checkout to pay in 3 or 12. You will be redirected to the iwocaPay checkout where you can complete the application. Some applications may take time to process. You can call iwocaPay on 02037780549 if you get stuck. Once you have completed the payment we will start to process your order.

Invoice option:

Click on the iwocaPay secure link included in your invoice. You can follow this link to the iwocaPay checkout where you can complete the application. Some applications may take time to process. You can call iwocaPay on 02037780549 if you get stuck. Once you have completed the payment we will start to process your order.

Click here to view iwocaPay’s FAQ’s.

If you would like to hear more or have any questions or queries call iwocaPay on 02037780549 to speak to an account manager today.


On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

  • Phone: +44 (0) 1403 273000
  • Email:
  • Address: Scott and Sargeant Woodworking Machinery Ltd, 1 Blatchford Road Horsham, West Sussex RH13 5QR

    If your complaint relates to your finance agreement:

    If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks. What to do if you can't reach an agreement

    If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you. They can be contacted in the following ways:
  • Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
  • Telephone: 0300 123 9 123
  • E-mail: Further details can be found on the Financial Ombudsman Service:
  • website:
Messaging Terms & Conditions General When you opt-in to the service, we will send you a message to confirm your signup. By opting into messages, you agree to receive recurring automated marketing and informational text messages from Scott+Sargeant:.Automated messages may be sent using an automatic telephone dialing system to the mobile telephone number you provided when signing up or any other number that you designate. Message frequency varies, and additional mobile messages may be sent periodically based on your interaction with Scott+Sargeant:. Scott+Sargeant: reserves the right to alter the frequency of messages sent at any time to increase or decrease the total number of sent messages. Scott+Sargeant: also reserves the right to change the short code or phone number where messages are sent. Message and data rates may apply. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. Your wireless provider is not liable for delayed or undelivered messages. Your consent to receive marketing messages is not a condition of purchase. Carriers Carriers are not liable for delayed or undelivered messages. Cancellation You can cancel any time by texting "STOP". After you send the SMS message "STOP", we will send you a message to confirm that you have been unsubscribed and no more messages will be sent. If you would like to receive messages from Scott+Sargeant: again, just sign up as you did the first time and Scott+Sargeant: will start sending messages to you again. Info Text "HELP" at any time and we will respond with instructions on how to unsubscribe. For support regarding our services, email us at Transfer of Number You agree that before changing your mobile number or transferring your mobile number to another individual, you will either reply “STOP” from the original number or notify us of your old number at The duty to inform us based on the above events is a condition of using this service to receive messages. Privacy If you have any questions about your data or our privacy practices, please visit our Messaging Terms Changes We reserve the right to change or terminate our messaging program at any time. We also reserve the right to update these Messaging Terms at any time. Such changes will be effective immediately upon posting. Your continued enrollment following such changes shall constitute your acceptance of such changes