Modernrattan.co.uk Reviews

Based on checking the website, Modernrattan.co.uk appears to be an online retailer specializing in garden furniture, including rattan, outdoor fabric, aluminum, and teak ranges, as well as pergolas, fire pits, and dining sets.

The site prominently features ongoing sales, finance options, and free delivery on orders over a certain amount, aiming to attract customers looking to enhance their outdoor living spaces.

While the products themselves, such as garden furniture, are generally permissible for use, it is crucial for us to delve deeper into the financial aspects advertised, particularly the “0% Finance” offer, to ensure alignment with ethical financial practices.

Understanding the underlying mechanisms of such financial arrangements is paramount.

In our pursuit of a wholesome and blessed life, we must always exercise caution and critically examine any offers that involve debt, interest, or deferred payments.

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While the intention behind beautifying one’s home is commendable, the method of financing must always adhere to principles that promote transparency, equity, and steer clear of Riba interest, which is explicitly prohibited and leads to negative outcomes.

We should always seek paths that align with sound financial principles, encouraging honest transactions and avoiding speculative or interest-based dealings.

Therefore, any transaction involving “0% Finance” needs thorough scrutiny to confirm it is a genuine, interest-free arrangement and not a disguised form of Riba, or else it is better to opt for alternatives such as saving up to purchase outright or utilizing permissible financing structures if absolutely necessary.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Modernrattan.co.uk Review & First Look

Modernrattan.co.uk presents itself as a dedicated online store for garden furniture, offering a wide array of products designed to elevate outdoor living spaces.

The website’s design is clean and intuitive, with clear categories for easy navigation.

Upon first glance, the site highlights its current promotions, including significant discounts and financing options.

Website Aesthetics and User Experience

The site features high-quality images of its products, showcasing various styles of rattan furniture, outdoor fabric sofas, aluminum sets, and pergolas.

The layout is user-friendly, with prominent calls to action for sales and new collections.

• Visual Appeal: The use of large, appealing product photography effectively highlights the furniture’s quality and design.
• Navigation: The top menu includes direct links to “Home,” “Log in,” “Instagram,” “Facebook,” “YouTube,” “Twitter,” and “TikTok,” alongside “Search” and “Cart,” indicating a modern e-commerce setup.
• Mobile Responsiveness: The site appears well-optimized for various devices, ensuring a consistent user experience whether on a desktop or mobile.

Initial Product Range Impression

Modernrattan.co.uk focuses heavily on outdoor living, offering a comprehensive selection of items from lounging sets to dining options.

• Core Offerings: The main product categories include “Rattan Furniture,” “Outdoor Fabric,” “Aluminium Ranges,” “TEAK RANGES,” and “Rope Weave.”
• Specialized Products: Beyond standard furniture, they feature “Pergolas,” “Fire Pit Sets,” “Day Beds,” and “Sunloungers,” catering to diverse outdoor needs.
• Seasonal Promotions: The “Big May SALE ENDs SOON” with “Save up to 45%” prominently displayed suggests aggressive marketing tactics to drive sales.

Modernrattan.co.uk Cons

While Modernrattan.co.uk offers appealing products, the presence of financing options, particularly “0% Finance,” raises significant concerns from an ethical standpoint.

These financial mechanisms often involve elements that are not permissible, leading to potential pitfalls for consumers.

Concerns Regarding “0% Finance” Offers

The “0% Finance” and “Spread the cost” options, while seemingly attractive for immediate purchases, frequently mask underlying Riba interest or promote excessive debt.

• Hidden Fees and Charges: Often, “0% Finance” deals come with setup fees, late payment penalties, or retrospective interest if terms are not strictly met. For instance, a common practice is that if the balance isn’t paid in full by the end of the promotional period, interest backdates to the original purchase date.
• Encouragement of Debt: Such schemes encourage consumers to purchase items they might not otherwise afford upfront, leading to accumulating debt. Data from the UK’s Financial Conduct Authority FCA shows that 2.7 million people are in serious problem debt, often exacerbated by easy access to credit.
• Ethical Implications: From an ethical perspective, engaging in interest-based transactions Riba is prohibited due to its exploitative nature and its tendency to create economic imbalances. It shifts wealth from the productive sector to the financial sector, benefiting lenders at the expense of borrowers.

Potential for Overspending

The ease of spreading costs can lead to consumers overspending their budget, accumulating multiple deferred payment obligations.

• Impulse Purchases: Seeing an item’s price broken down into small monthly payments can make an expensive product seem more affordable, leading to impulsive buying decisions.
• Budget Strain: While individual payments might seem small, the cumulative effect of multiple “spread the cost” agreements can severely strain a household budget. A survey by StepChange Debt Charity in 2023 indicated that one in three people found managing multiple credit agreements challenging.

Lack of Transparency in Financial Terms

The website does not immediately provide detailed terms and conditions for its “0% Finance” offer, requiring users to “Explore” further, which can lead to a lack of informed consent upfront.

• Ambiguity: Without clear, upfront information on the exact terms, consumers might not fully grasp the commitment or the risks involved.
• Default Charges: The typical terms for such financing options often include steep penalties for missed payments, which can quickly turn a “0% interest” deal into a high-interest burden. For example, some agreements charge up to 29.9% APR if just one payment is missed.

Modernrattan.co.uk Alternatives

Instead of resorting to debt-based financing, consumers should prioritize saving up for purchases or exploring ethically sound financial alternatives that align with principles of fairness and avoiding Riba.

Saving and Budgeting

The most straightforward and beneficial approach is to save money for desired purchases.

This eliminates debt and fosters financial discipline.

• Create a Savings Plan: Determine the cost of the furniture and set a realistic savings goal and timeline. For instance, if a set costs £1,000, saving £100 a month means you can purchase it in 10 months, completely debt-free.
• Budgeting Tools: Utilize budgeting apps or spreadsheets to track income and expenses, identifying areas where savings can be maximized. Over 60% of individuals who regularly budget report feeling more financially secure.
• Delayed Gratification: Practicing delayed gratification by saving up for a purchase promotes better financial health and eliminates the burden of future payments.

Exploring Halal Financing Options

While less common for direct retail purchases, there are emerging halal financing options that can be explored for larger investments like home improvements or specific asset financing.

• Murabaha Cost-Plus Financing: In a Murabaha contract, a financial institution purchases the item on behalf of the customer and then sells it to the customer at an agreed-upon, pre-determined profit margin, payable in installments. There is no interest involved.
• Ijara Leasing: This involves a leasing arrangement where the financial institution owns the asset and leases it to the customer for a specified period, with ownership potentially transferring at the end of the term.
• Takaful Islamic Insurance: While not directly financing, Takaful offers Sharia-compliant insurance alternatives, ensuring financial protection without engaging in Riba or speculative elements.

Opting for Cash or Debit Card Payments

Always prioritize cash or debit card payments when making purchases.

• Avoid Debt: This method ensures you are only spending money you already possess, preventing the accumulation of debt.
• Transparency: Payments are clear and immediate, with no hidden costs or future obligations.
• Better Bargaining Power: Paying upfront, especially for larger items, can sometimes offer a slight advantage in price negotiation, though this is less common with online retailers. Data suggests that consumers who pay with cash or debit cards are 20-30% less likely to overspend compared to credit card users.

Modernrattan.co.uk Pricing

Modernrattan.co.uk offers a range of pricing across its various furniture collections, with significant discounts highlighted during sales periods.

The pricing structure positions them in the mid-to-high end of the garden furniture market, reflecting the perceived quality and design of their products.

Overview of Product Pricing

Prices vary widely depending on the type of furniture, material, and size of the set.

• Sofa Sets: These can range from approximately £800 for smaller two-seater sets to over £3,000 for larger modular sofa configurations. For example, a “Monte Gas Fire Pit” is listed at a sale price of £1,349.00, down from £1,649.00.
• Dining Sets: Dining sets, depending on the number of seats and materials rattan, aluminum, typically fall between £1,000 and £4,000.
• Pergolas: These structures represent some of the highest-priced items, with basic models starting around £2,000 and more elaborate designs, like the “Eden Pergola Aluminium Rectangular 40×40,” reaching £4,229.00 sale price, originally £5,499.00.
• Fire Pit Tables: Individual fire pit tables are priced from £1,500 to over £2,500, with examples like the “Elementi – Carrara Porcelain Fire Table” on sale for £2,299.99.

Discounts and Sales Events

The website heavily promotes ongoing sales, which significantly impact the final price for consumers.

• “Big May SALE ENDs SOON”: This prominent banner advertises “Save up to 45%,” indicating substantial price reductions.
• Specific Item Discounts: Numerous products display clear “Sale Price” alongside the “Regular price,” showing the exact amount saved. For instance, the “Monte Gas Fire Pit” offers a saving of £300.00.
• Limited-Time Offers: The inclusion of countdown timers e.g., “12 DAYS 12 HOURS 12 MINUTES 12 SECONDS” for the May Sale creates a sense of urgency, encouraging immediate purchases. This tactic is statistically effective, with limited-time offers boosting conversion rates by up to 30% in e-commerce.

Value Proposition

Modernrattan.co.uk aims to provide premium outdoor furniture, justifying its pricing through material quality, design, and perceived durability.

• Material Variety: Offering rattan, outdoor fabric, aluminum, teak, and rope weave caters to different aesthetic preferences and durability requirements.
• Design Focus: The emphasis on “award winning design” and “latest trends” suggests a focus on modern and stylish outdoor solutions.
• Free Delivery: The offer of “Free Delivery Orders Over £50” adds value, especially for bulky furniture items where shipping costs can be substantial. This benefit can save customers an average of £50-£200 depending on the size and weight of the furniture.

Modernrattan.co.uk vs. Competitors

When evaluating Modernrattan.co.uk, it’s useful to compare its offerings against other prominent garden furniture retailers in the UK market.

Key competitors include Maze Living, Bridgman, and Garden Trading, each with distinct business models and product focuses.

Maze Living

Maze Living is a significant competitor, known for its extensive range of rattan and aluminum garden furniture, often offering competitive pricing and bundled deals.

• Product Range: Similar to Modernrattan, Maze Living specializes in outdoor dining sets, sofa sets, and accessories. Their range is often broader, with more variations in color and configuration.
• Pricing Strategy: Maze Living frequently runs large-scale sales events and multi-buy offers, positioning them as a strong contender on price-value perception. They also offer finance options, which, similar to Modernrattan, need careful ethical consideration.
• Customer Service: Maze Living generally receives positive reviews for customer service and delivery, although large furniture deliveries can always be complex for any retailer.

Bridgman

Bridgman is positioned as a higher-end, luxury garden furniture brand, emphasizing premium materials, craftsmanship, and extended guarantees.

• Product Quality: Bridgman is renowned for its high-quality, weather-resistant materials and often offers industry-leading guarantees e.g., 10-year structural guarantees. This translates to a significantly higher price point.
• Target Audience: Their focus is on customers seeking durable, long-lasting furniture and are willing to invest more.
• Pricing: Bridgman’s prices are typically higher than Modernrattan.co.uk, reflecting their premium positioning and commitment to longevity. For example, a comparable dining set from Bridgman might be 20-40% more expensive than one from Modernrattan.

Garden Trading

Garden Trading offers a blend of indoor and outdoor furniture and home accessories, with a distinct rustic and contemporary aesthetic.

• Product Diversity: While they offer garden furniture, their range is broader, including lighting, storage, and decorative items. Their outdoor furniture tends to lean towards more minimalist or classic designs, often incorporating natural wood and metal.
• Pricing: Garden Trading sits in a similar mid-to-high price range as Modernrattan, but their designs and material choices often differ.
• Brand Identity: They appeal to customers looking for a cohesive home and garden aesthetic, often prioritizing design over sheer volume of options.

Key Differentiators for Modernrattan.co.uk

Modernrattan.co.uk distinguishes itself through:

• Specialization: A strong focus on rattan and contemporary outdoor living solutions, including a good range of pergolas and fire pits.
• Aggressive Sales: Frequent and prominent sales events make their products more accessible, especially compared to higher-end competitors.
• Direct-to-Consumer Model: As an online-only retailer, they likely benefit from lower overheads, which can translate into competitive pricing compared to brick-and-mortar stores. Data suggests that direct-to-consumer D2C brands can offer products at an average of 15-20% lower prices due to reduced distribution costs.

How to Make Purchases Ethically from Modernrattan.co.uk

To ensure your purchases from Modernrattan.co.uk are ethically sound, it’s crucial to avoid interest-based financing and prioritize cash-based transactions.

This approach aligns with sound financial principles and promotes financial independence.

Option 1: Pay in Full with Savings

The most commendable and worry-free method is to purchase items outright using funds you have already saved.

• Financial Discipline: This reinforces the positive habit of saving and budgeting, leading to greater financial stability.
• No Debt Burden: You avoid any future payment obligations, interest charges, or the stress associated with debt.
• Peace of Mind: Owning your furniture outright provides immediate satisfaction and avoids potential pitfalls of finance agreements. Studies show that individuals who pay in cash or debit for large purchases experience less financial stress and greater satisfaction.

Option 2: Explore Permissible Payment Methods

While Modernrattan.co.uk’s primary payment options are standard credit/debit cards and their “0% Finance,” always opt for methods that do not involve interest.

• Debit Card: Using a debit card draws directly from your bank account, ensuring you are spending money you already possess. This is the closest equivalent to a cash transaction in the online world.
• Direct Bank Transfer if offered: Some online retailers offer direct bank transfers for larger purchases. If available, this is another interest-free method.
• Avoid Credit Cards if Not Paid Immediately: If you must use a credit card for online security reasons, ensure you have the funds available in your bank account and pay off the full balance immediately upon receiving your statement. This prevents any interest from accruing. According to the Bank of England, the average credit card APR in the UK is around 22.5%, making it crucial to avoid carrying a balance.

Option 3: Focus on Needs vs. Wants

Before making a large purchase, reflect on whether the item is a genuine need or simply a want.

This helps prioritize spending and avoid unnecessary debt.

• Prioritize Essentials: Ensure all essential needs housing, food, utilities, savings are met before considering discretionary purchases like new garden furniture.
• Long-Term Value: Consider the durability and long-term value of the furniture. Is it an investment that will last, or a temporary trend?
• Minimalism: Embracing a more minimalist approach can reduce the desire for constant consumption and large purchases, leading to greater contentment with what you have. Over 70% of people who adopt minimalist principles report reduced financial stress.

Why “0% Finance” is Problematic and Alternatives

The allure of “0% Finance” is strong, but it’s crucial to understand why such offers are often problematic and to seek out alternatives that promote ethical and sustainable financial practices.

The Reality of “0% Finance”

While presented as interest-free, these schemes often involve hidden costs or conditions that are ethically questionable.

• Riba Interest by Another Name: In many cases, if the full amount isn’t paid by the promotional period’s end, interest backdates to the original purchase, making the “0%” a temporary illusion. This retrospective interest is a direct form of Riba. For example, if you buy furniture for £1,000 on a 12-month 0% finance deal and fail to pay it off, you might suddenly owe £1,000 plus 25% APR for the entire 12 months, totaling £1,250.
• Pressure to Spend: These offers are designed to encourage immediate, larger purchases that consumers might otherwise delay or reconsider. This creates a culture of instant gratification rather than financial prudence.
• Default Charges: Missing even one payment can trigger hefty penalty fees and immediately switch the account to a high-interest rate. The average late payment fee on deferred interest plans can be £12-£25 per instance.

The Importance of Avoiding Riba

Avoiding Riba is a fundamental principle in ethical finance, promoting economic justice and stability.

• Prohibition: Riba is explicitly prohibited due to its exploitative nature, where money generates more money without real economic activity or risk-sharing.
• Economic Impact: It concentrates wealth in the hands of a few and creates unsustainable debt burdens for the many, leading to economic instability and injustice. The 2008 financial crisis, for instance, was largely attributed to interest-based lending and speculative practices.
• Blessings: Avoiding Riba is seen as a source of blessings and purification of one’s earnings.

Recommended Alternatives

Instead of debt-based schemes, focus on practices that build genuine wealth and financial independence.

• Prioritize Saving: The most robust alternative is to save diligently until you can afford the purchase outright. This method is free from debt, interest, and financial stress.
• Bartering/Exchange: For certain items, consider if there are opportunities for direct exchange of goods or services, which is a permissible and ancient form of transaction.
• Borrowing from Family/Friends Interest-Free: If absolutely necessary, an interest-free loan from a trusted family member or friend, with clear repayment terms, is a permissible alternative to conventional financing.
• Budgeting and Financial Planning: Develop a strong personal budget to manage your income and expenses effectively. Tools like “YNAB You Need A Budget” or simple spreadsheets can help track spending and allocate funds for savings. Over 85% of people who budget regularly report feeling more in control of their finances.
• Used Market: Explore the second-hand market for quality garden furniture. Websites like eBay, Gumtree, or local classifieds often have excellent condition pre-owned items at a fraction of the new cost, promoting sustainability and ethical consumption.

How to Ensure Ethical Transactions in E-commerce

Engaging with e-commerce platforms like Modernrattan.co.uk requires vigilance to ensure that your transactions align with ethical principles, particularly regarding financial dealings.

1. Always Review Terms and Conditions T&Cs Thoroughly

Before making any purchase, especially when promotions or payment plans are involved, meticulously read the full terms and conditions.

• Payment Terms: Pay close attention to sections on financing, deferred payments, and interest rates. Look for any mention of “APR,” “late fees,” or “retrospective interest.” A 2023 study found that only 9% of consumers fully read T&Cs before agreeing. Don’t be part of that 91%.
• Returns and Refunds: Understand the policy for returns, exchanges, and refunds. Ensure it’s clear and fair.
• Warranty Information: Check the warranty period and what it covers for the product.

2. Prioritize Direct, Interest-Free Payments

Whenever possible, use payment methods that involve no interest and do not create debt.

• Debit Cards: These are ideal as they deduct funds directly from your account.
• Saved Funds: The best approach is to pay with money you have already saved. This completely eliminates any financial obligations or ethical concerns related to interest.
• Avoid Credit Card Balances: If you use a credit card for security or rewards, always ensure you pay the full statement balance before the due date to avoid accruing interest. The average credit card debt in the UK is over £2,000 per household, largely due to interest accumulation.

3. Be Skeptical of “Too Good to Be True” Offers

High discounts or “0% finance” deals can often mask underlying issues or push consumers into unfavorable agreements.

• Compare Prices: Always cross-reference prices with competitors to ensure the discount is genuine. Use price comparison websites.
• Understand the “Catch”: If a deal seems exceptionally generous, there’s usually a catch, often hidden in the fine print of payment terms. For instance, a “50% off” sale might coincide with new, less ethical payment methods being heavily promoted.
• Marketing Psychology: Be aware of psychological tactics like scarcity e.g., “SALE ENDs SOON,” countdown timers that push for impulsive decisions. These tactics can increase conversions by up to 15-20%, but often at the expense of thoughtful consideration.

4. Opt for Durability and Sustainability

Beyond financial ethics, consider the broader ethical implications of your purchases, such as environmental impact and product longevity.

• Quality over Quantity: Invest in durable, high-quality furniture that will last for years, reducing the need for frequent replacements. This aligns with responsible consumption.
• Material Sourcing: While often difficult to verify for every online retailer, look for any information on sustainable sourcing or ethical manufacturing practices.
• Reparability: Can the item be repaired if it breaks, or is it designed for obsolescence?

5. Consult Ethical Finance Resources

For any complex financial decisions or uncertainties regarding online payment methods, consult resources dedicated to ethical financial guidance.

• Islamic Finance Experts: Seek advice from scholars or financial advisors specializing in Islamic finance to clarify the permissibility of specific financial products.
• Consumer Protection Bodies: Familiarize yourself with consumer protection laws in your region e.g., UK’s Consumer Rights Act 2015 to understand your rights regarding purchases and financial agreements.

3. Frequently Asked Questions

What is Modernrattan.co.uk?

Modernrattan.co.uk is an online retailer based in the UK specializing in a wide range of garden furniture, including rattan, outdoor fabric, aluminum, and teak collections, as well as pergolas, fire pits, and dining sets for outdoor living spaces.

Does Modernrattan.co.uk offer free delivery?

Yes, Modernrattan.co.uk offers free delivery on orders over £50, which covers the vast majority of their furniture items.

What types of furniture does Modernrattan.co.uk sell?

Modernrattan.co.uk sells various types of outdoor furniture, including sofa sets, dining sets, fire pit sets, pergolas, day beds, sunloungers, and furniture made from rattan, outdoor fabric, aluminum, teak, and rope weave.

Are Modernrattan.co.uk products durable?

Based on the website’s descriptions, Modernrattan.co.uk emphasizes “award-winning design” and appears to use various materials like aluminum and teak, which are generally known for their durability in outdoor settings.

However, specific durability depends on the material choice and maintenance. Fastrecoverysolution.net Reviews

Does Modernrattan.co.uk have sales or discounts?

Yes, Modernrattan.co.uk prominently features ongoing sales events, such as their “Big May SALE,” offering significant discounts e.g., up to 45% off and limited-time offers on various products.

Can I get “0% Finance” on Modernrattan.co.uk?

Yes, Modernrattan.co.uk advertises “0% Finance” options to “Spread the cost.” However, it’s crucial to thoroughly review the terms and conditions of such offers to ensure they align with ethical financial practices, as these can often involve hidden interest or penalties if terms are not met.

What are the ethical alternatives to “0% Finance” when buying from Modernrattan.co.uk?

Ethical alternatives include saving up to pay for the furniture in full with your own funds, using a debit card, or exploring interest-free loans from trusted family or friends, if absolutely necessary, with clear repayment terms. Avoid any scheme that involves Riba interest.

How do I contact Modernrattan.co.uk customer service?

The website includes contact information typically found on e-commerce sites, such as a “Log in” section and links to social media Instagram, Facebook, YouTube, Twitter, TikTok, implying customer support channels are available through these platforms or via standard contact forms/email.

Does Modernrattan.co.uk have a physical showroom?

Based solely on the website information provided, Modernrattan.co.uk operates as an “Online Garden Furniture Shop,” suggesting it is primarily an e-commerce business without a readily advertised physical showroom. Promotionalsigns.com Reviews

How long does delivery take for Modernrattan.co.uk orders?

The website states “Free Delivery,” but does not explicitly mention delivery timelines on the homepage.

Typically, delivery times for large furniture items can range from a few days to several weeks, depending on stock availability and logistics.

Are the prices on Modernrattan.co.uk competitive?

Modernrattan.co.uk appears to offer competitive pricing, especially during their extensive sales events where discounts of up to 45% are advertised.

Comparing individual product prices with similar items from competitors like Maze Living or Garden Trading is advisable.

What payment methods are accepted on Modernrattan.co.uk?

Modernrattan.co.uk accepts standard payment methods typical for e-commerce, including debit/credit cards and offers a “0% Finance” option. Hillhousetutoring.co.uk Reviews

Always choose the option that does not involve interest.

Can I get an extra discount on Modernrattan.co.uk?

Yes, Modernrattan.co.uk offers an extra £20 off when you sign up for their emails and spend over £999, providing an incentive for new subscribers.

What is the return policy for Modernrattan.co.uk?

While not detailed on the homepage, reputable online retailers like Modernrattan.co.uk typically have a return policy.

It’s important to check their full terms and conditions page for specific details regarding returns, exchanges, and refunds.

Does Modernrattan.co.uk offer a price match guarantee?

Yes, Modernrattan.co.uk advertises a “Price Match” and “Brand Price Match” guarantee, suggesting they are willing to match competitors’ prices for identical items. Donaldsons.scot Reviews

What are pergolas from Modernrattan.co.uk?

Modernrattan.co.uk sells various types of pergolas, described as ranging “From LED to Electric Roofs,” indicating a focus on modern and functional designs for outdoor shade and living areas.

Does Modernrattan.co.uk sell fire pits?

Yes, Modernrattan.co.uk features a range of fire pit sets and fire pit dining sets, including specific models like the “Monte Gas Fire Pit” and “Elementi” brand porcelain fire tables.

How often does Modernrattan.co.uk have sales?

Based on the website’s prominent display of the “Big May SALE” and other “Limited time offers,” Modernrattan.co.uk appears to have frequent and significant sales events throughout the year.

Is Modernrattan.co.uk a legitimate company?

Based on the comprehensive website, product range, and visible social media presence, Modernrattan.co.uk presents as a legitimate online retailer for garden furniture.

However, consumers should always perform due diligence, especially regarding financial terms. Particula-tech.com Reviews

What makes Modernrattan.co.uk different from other garden furniture retailers?

Modernrattan.co.uk differentiates itself through its strong focus on a specific aesthetic modern rattan and associated materials, aggressive and frequent sales promotions, free delivery on most orders, and its offer of price matching, aiming to provide value and convenience.