Flexible benefits - technology

Gasman11 · Post by **Gasman11** » 03 Nov 2016, 19:09

Anyone looked into this in any great detail? Had a quick look on the Let's Connect website but not a great deal of useful info there (or not obvious anyway). Is this more cost effective than getting a laptop from the High St then, the letter from Royal Mail suggested items from Let's Connect are discounted but suppose it depends how much their 'normal' prices are in comparison to the likes of Currys etc.

WOBBLY · Post by **WOBBLY** » 03 Nov 2016, 21:37

Can't even get on the page to see the costing! Gets to the Hapi Benefits page and freezes!

Smir · Post by **Smir** » 05 Nov 2016, 00:46

They don't seem like discounted products at all, just save abit on tax and NI,

It never works, but apparently 1600 orders since it launched? Seems like bullshit

Zade77 · Post by **Zade77** » 05 Nov 2016, 08:48

For anyone who can't get on the site, here is the PDF with prices/info about the scheme..

I ordered the Ipad Pro 9.7 128GB WiFi it comes with 2 years accidental damage and a protective case, net cost over period is £653.52. If i got same deal from Apple without the case on 2 year finance it would cost £838.64. Even if i paid for it there and then would still be £728. So i would say you save a good chunk..

smoothie262 · Post by **smoothie262** » 05 Nov 2016, 14:41

I also ordered the iPad 12.9". Have you had a delivery confirmation ?

Cobblers_3 · Post by **Cobblers_3** » 05 Nov 2016, 16:50

Does anyone know what network the phones are on with the bundle deal?

CAMPINGBLUNDERER · Post by **CAMPINGBLUNDERER** » 05 Nov 2016, 17:15

Pretty sure they are unlocked to any network same as if you bought it from the Apple Store

ewancurze · Post by **ewancurze** » 05 Nov 2016, 17:35

Zade77 wrote:For anyone who can't get on the site, here is the PDF with prices/info about the scheme..

I ordered the Ipad Pro 9.7 128GB WiFi it comes with 2 years accidental damage and a protective case, net cost over period is £653.52. If i got same deal from Apple without the case on 2 year finance it would cost £838.64. Even if i paid for it there and then would still be £728. So i would say you save a good chunk..

Thanks for that! I have been trying to access the site since Monday with no luck.Do you have a PDF link for the Phones at all?

Post by **IloveMYredTROLLEY!** » 05 Nov 2016, 17:43

Whoever approved the website design for the "Technology" section needs shooting...

Added a random laptop to my basket, so I could look at the accessories that cannot be ordered alone.
After browsing, I clicked "edit," hoping to remove the laptop from my basket, but I couldn't!

I ended up taking a chance on clicking the "confirm" button, which then gives an option to cancel the order.

A very quick look at the Garmin products suggests I can buy the products cheaper from Amazon, despite the salary sacrifice savings and then adding the final ownership payment.

From window browsing the deals so far, savings through this scheme are minimal at best (at worst, some things cost more through the scheme), compared to shopping around and looking at deals using Quidco or Topcashback sites. The only significant advantage for some is that you get to split the cost of the products over 24 months.

I initially had problems getting onto the scheme section, earlier in the week, things would grind to a halt in the secured mini-window that appeared. What solved things for me was to select "log out" in that mini-window, close the window and then try again later.

Smir · Post by **Smir** » 05 Nov 2016, 21:57

Zade77 wrote:For anyone who can't get on the site, here is the PDF with prices/info about the scheme..

I ordered the Ipad Pro 9.7 128GB WiFi it comes with 2 years accidental damage and a protective case, net cost over period is £653.52. If i got same deal from Apple without the case on 2 year finance it would cost £838.64. Even if i paid for it there and then would still be £728. So i would say you save a good chunk..

But you have to pay the tax if you want to keep it after 24 months... which I guess you do..?

Zade77 · Post by **Zade77** » 05 Nov 2016, 22:54

smoothie262 wrote:I also ordered the iPad 12.9". Have you had a delivery confirmation ?

No delivery confirmation yet, order still says pending..

Zade77 · Post by **Zade77** » 05 Nov 2016, 22:57

Smir wrote:
Zade77 wrote:For anyone who can't get on the site, here is the PDF with prices/info about the scheme..

I ordered the Ipad Pro 9.7 128GB WiFi it comes with 2 years accidental damage and a protective case, net cost over period is £653.52. If i got same deal from Apple without the case on 2 year finance it would cost £838.64. Even if i paid for it there and then would still be £728. So i would say you save a good chunk..
But you have to pay the tax if you want to keep it after 24 months... which I guess you do..?

Pretty sure you won't have to pay the tax, otherwise what's the point... I'm assuming it is the same as the cycle 2 work where you pay a small amount to keep the items at the end of the period.

Post by **TrueBlueTerrier** » 06 Nov 2016, 08:25

I believe you pay the tax on the value of the item as at the end of the payment period.

However for information people need to be aware the Government are looking at changing the rules on Salary Sacrifice schemes http://www2.cipd.co.uk/pm/peoplemanagem ... hemes.aspx" onclick="window.open(this.href);return false;

Creditshampoo · Post by **Creditshampoo** » 06 Nov 2016, 08:32

How the hell can they advertise the prices as the amount of tax saved when you pay tax at the end to keep the device?! Of course you're gunna wanna keep it when you've paid alot of money over 2 years!!

Post by **TrueBlueTerrier** » 06 Nov 2016, 08:44

Creditshampoo wrote:How the hell can they advertise the prices as the amount of tax saved when you pay tax at the end to keep the device?! Of course you're gunna wanna keep it when you've paid alot of money over 2 years!!

because, if I am correct and to be honest I am not certain, the tax is paid on the Value of the item at the end of the payment period, not when its brand new.

Eg. Item is £1000 now so you save tax on that £1000 over the 2 years you are paying it. (so for ease £200 saved)

At the end its value will have dropped say to £200 then tax on that would be £40

a saving of £160.

BUT TO REITERATE I MAY BE WILDLY OUT WITH TAX IMPLICATIONS AND THE FACTS. CHECK CAREFULLY YOURSELF THAT YOU FULLY UNDERSTAND THE TAX AND PAYMENT IMPLICATIONS.

There are various avenues to get your questions answered directly already within the MY Bundle web pages, some are specific. Use them if unsure.