Before entering into this agreement we may search your records at credit reference agencies. They will add to their record about you details of our search, which will be seen by other organisations making searches. Details about you and your payment record under this agreement will be used to help make credit and insurance related decisions about you and members of your household and occasionally (and where necessary) for fraud prevention or to trace debtors. You can contact us for details of the credit reference agencies used by us. You have a legal right to these details and can receive a copy of the information held about you on payment of a fee. Information held about you by credit reference agencies may be linked to records relation to any person with whom you are linked financially and other members of your household.
We may give information about you and your payment record under this agreement to credit reference agencies, debt collecting agents and any proposed assignee, transferee or charge of this agreement or of our interest in this agreement, their insurers or advisers. We may use a credit scoring or other automated decision making system. We may monitor and record telephone calls for the purpose of security and training.
The Creditor's Consumer Terms and Conditions, a copy of which is annexed to this agreement, shall form part of this agreement. In the event of a conflict between the Creditor's Terms and Conditions and the terms of this agreement, the terms of this agreement shall prevail. Any purchase of a product and/or service from the Creditor is subject to the Creditor's Terms and Conditions.
You are entitled to receive, on request and free of charge at any time during the period of this agreement, a statement of account showing the details of each instalment owing under the agreement; the date on which each instalment is due, the amount and any conditions relating to its payment; and a breakdown of each instalment showing how much comprises capital, interest and any other charges.
You are entitled to withdraw from this agreement without having to give any reason within 14 days beginning with the day after the day on which you receive a copy of the executed agreement. You may give us notice of withdrawal orally, by telephoning 01787 882244, or in writing to Woodhall Business Park, Sudbury, Suffolk CO10 1WH, or by email to email@example.com. If you withdraw from this agreement you must repay, without delay and no later than 30 calendar days beginning with the day after the day you gave us notice of withdrawal, the Amount of Credit.
You are entitled to repay your indebtedness under this agreement early, in whole or in part. In order to do so, you should write to our customer service team at our above address. We may claim compensation for the cost incurred by us as a result of your early repayment, if your early repayment exceeds £8,000 or where you made more than one early repayment, the total of early repayments in any 12 month period exceeds £8,000. The compensation will not exceed the lower of 1% of the early repayment where the outstanding period of this agreement exceeds one year, 0.5% where it is equal to or less than one year, or the total amount of interest that would have been payable under the agreement if you had not repaid early.
The Financial Conduct Authority, of 25 The North Colonnade, London E14 5HS is our supervisory authority under the Consumer Credit Act 1974.
If you are not a business debtor, you have the right to complain to the Financial Ombudsman Service at Exchange Tower, London E14 9SR. If you are a business debtor you may have a right to complain to the Financial Ombudsman Service.