- Latest available (Revised)
- Original (As made)
This is the original version (as it was originally made).
Regulation 11(1)
* This information is optional for the creditor. The row may be deleted if the information is not provided. | |
Wherever “if applicable” is indicated, the creditor must give the information relevant to the credit product or, if the information is not relevant for the type of credit considered, delete the respective information or the entire row or indicate that the information is not applicable. | |
Indications between square brackets provide explanations for the creditor and must be replaced with the corresponding information. | |
Creditor. | [Identity.] |
Address. | [Geographical address of the creditor to be used by the debtor.] |
Telephone number(s).* | |
E-mail address.* | |
Fax number.* | |
Web address.* | |
If applicable | |
Credit intermediary. | [Identity.] |
Address. | [Geographical address of the credit intermediary to be used by the debtor.] |
Telephone number(s).* | |
E-mail address.* | |
Fax number.* | |
Web address.* |
The type of credit. | |
---|---|
The total amount of credit. This means the amount of credit to be provided under the agreement or the credit limit. | [The amount is to be expressed as a sum of money. In the case of running account credit, the total amount may be expressed as a statement indicating the manner in which the credit limit will be determined where it is not practicable to express the limit as a sum of money.] |
The duration of the credit agreement. | [The duration or minimum duration of the agreement or a statement that the agreement has no fixed or minimum duration.] |
If applicable Repayment of the credit. | [A statement informing the debtor that the debtor may be required to repay the amount of credit in full on demand at any time.] |
The rates of interest which apply to the credit agreement. | [Details of the rates of interest charged, any conditions applicable to that rate, where available any reference rate on which that rate is based and any information on changes to the rate of interest (including the periods that the rate applies and any conditions or procedure applicable to changing the rate). Where different rates of interest are charged in different circumstances, the creditor must provide the above information in respect of each rate.] |
If applicable Costs. If applicable The conditions under which those costs may be changed. | [The costs applicable from the time the credit agreement is concluded.] |
Costs in the case of late payments. | Either [A statement that there are no charges for late or missed payments.] Or [Applicable rate of interest, in the case of late payments and arrangements for its adjustment and, where applicable, any charges payable for default.] |
Termination of the credit agreement. | [The conditions and procedure for termination of the credit agreement.] |
Consultation with a credit reference agency. | [A statement that if the creditor decides not to proceed with a prospective regulated consumer credit agreement on the basis of information from a credit reference agency the creditor must, when informing the debtor of that decision, inform the debtor that it has been reached on the basis of information from a credit reference agency and of the particulars of that agency.] |
If applicable The period of time during which the creditor is bound by the pre-contractual information. | [This information is valid from [—] until [—] or [Period of time during which the information on this form is valid.] |
If applicable
(a) concerning the creditor | |
---|---|
* This information is optional for the creditor. The row may be deleted if the information is not provided. | |
If applicable The creditor’s representative in [the UK] [your Member State of residence.] Address. Telephone number.* E-mail address.* Fax number.* Web address.* | [i.e. where different from section 1.] [Identity.] [Geographical address to be used by the debtor.] |
If applicable Registration number. | [Consumer credit licence number and any other relevant registration number of the creditor.] |
If applicable The supervisory authority. | [The Office of Fair Trading or any other relevant supervisory authority or both.] |
(b) concerning the credit agreement | |
If applicable The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract. | [English/other law.] |
If applicable The law applicable to the credit agreement and/or the competent court. | [A statement concerning the law which governs the contract and the courts to which disputes may be referred.] |
If applicable Language to be used in connection your agreement. | [Details of the language that the information and contractual terms will be supplied in and used, with the debtor’s consent, for communication during the duration of the credit agreement.] |
(c) concerning redress | |
Access to out- of-court complaint and redress mechanism. | [Whether or not there is an out-of-court complaint and redress mechanism for the debtor who is party to the distance contract and, if so, the methods of access to it.] |
Latest Available (revised):The latest available updated version of the legislation incorporating changes made by subsequent legislation and applied by our editorial team. Changes we have not yet applied to the text, can be found in the ‘Changes to Legislation’ area.
Original (As Enacted or Made): The original version of the legislation as it stood when it was enacted or made. No changes have been applied to the text.
Explanatory Memorandum sets out a brief statement of the purpose of a Statutory Instrument and provides information about its policy objective and policy implications. They aim to make the Statutory Instrument accessible to readers who are not legally qualified and accompany any Statutory Instrument or Draft Statutory Instrument laid before Parliament from June 2004 onwards.
Access essential accompanying documents and information for this legislation item from this tab. Dependent on the legislation item being viewed this may include:
Use this menu to access essential accompanying documents and information for this legislation item. Dependent on the legislation item being viewed this may include:
Click 'View More' or select 'More Resources' tab for additional information including: