Your Layby Rights — Share It

📋 DID YOU KNOW? Your Layby Rights in Zambia 🇿🇲 1️⃣ Every layby must be in writing — if not, you only pay 75% of the price 2️⃣ The shop MUST give you a copy of your agreement 3️⃣ You can pay off early and get a discount (5% per year) 4️⃣ You can cancel anytime — the most you owe is half the total price minus what you've paid 5️⃣ If you've paid over 50%, the shop CANNOT just take back your goods 6️⃣ If goods are repossessed, you have 21 days to pay and get them back 7️⃣ These rights CANNOT be waived — any clause saying otherwise is void Hire-Purchase Act, Cap 399 — Laws of Zambia Find layby deals & protect your rights: zedlayby.com/learn/rights/