Guide to Section 75 CreditCards.com
|
|
- Norma Perkins
- 5 years ago
- Views:
Transcription
1 Guide to Section 75 1
2 Guide to Section 75 One of the main benefits cited for people using credit cards is the additional protection afforded to credit card transactions under Section 75, but what is it? And, in practical terms, how can you ensure you benefit from this useful consumer protection legalisation? Section 75 refers to Section 75 of the Consumer Credit Act This part of the legislation details the additional consumer protection afforded to individuals making certain types of payments using credit. This protection makes the supplier of the credit (e.g. the Credit Card issuer) jointly and severally liable for any breach of contract or misrepresentation by a supplier of goods or services on credit. In practical terms for credit card holders, this means that if something goes wrong with goods or services, costing between 100 and 30,000, the credit card issuer is liable for redress (i.e. refunding any monies paid). Section 75 was not designed specifically to protect credit card users. Indeed, the legislation in which it is enshrined was enacted before mass credit card ownership; indeed even before the Visa payment processing platform was launched in Still, it offers credit card holders some of the most powerful consumer protection available in the UK, and arguably globally. How did Section 75 come about? Before UK credit legislation was harmonised with the Consumer Credit Act 1974, a variety of legislation applied to different types of credit and lending. Mortgage brokers, moneylenders, cheque & voucher traders, loan societies, building societies and mail order houses were governed by a number of different piecemeal, sometimes archaic, and often confusing, pieces of legislation. Needless to say there was a great deal of overlap, but also grey areas and scope for significant interpretation. 2
3 In 1971 Edward Heath's Conservative government received Lord Crowther's Report of the Committee on Consumer Credit (often referred to as 'The Crowther Report'). The report (actually started whilst the government of Harold Wilson was in office) took two years to write and made far reaching recommendations for harmonising consumer credit legislation in the UK. This started with an overarching definition of credit, which they took to mean '...deferment of payment for goods delivered or services rendered at once or the straight lending of money...') and subsequently shaped the drafting of the bill which later became enshrined in statute as the Consumer Credit Act One key passage of the Crowther Committee report recommended that defective goods or services bought with a credit agreement linked directly to purchase, should become the responsibility of the lender. The catalyst for this inclusion was press and public outcry at the situation many individuals who had purchased goods or services using hire purchase schemes found themselves in. Often the product retailer and the supplier of credit were different organisations, so when goods arrived that were faulty (or did not arrive at all), the individual who had signed the agreement still had a legal obligation to pay the lender, despite the fact that they drew no benefit from the purchase. The committee's suggested alteration to the law sought to ensure that purchasers using credit had rights concerned with the fitness and quality of the goods they had purchased, whilst lending institutions were liable for misrepresentations made by sellers. What does Section 75 cover? Section 75 offers UK consumers, at home or abroad, phenomenal protection when using their credit cards, and although the legislation in which it is contained can be somewhat confusing in its use of obscure legal phraseology, its interpretation and application is relatively straightforward. In simple terms Section 75 is applicable to any purchase (excluding purchases of land) that meet the following conditions: 3
4 The purchase must be made on credit which is directly linked to specific goods or services For this reason it tends to be most closely associated with credit cards, but it applies equally to other credit arranged specifically for the purchase of a given product - for example, car finance - indeed, the Consumer Credit Directive, which came fully into force on 1 February 2011, added Section 75A to increase the upper limit for creditor liability to 62,260 in certain limited cases, for breach of contract, where Section 75 does not apply. Section 75 applies to the total purchase cost even when only part of the payment was made using a credit card. For example, if only a 10 deposit for a car costing 10,000 was paid on a credit card, then the card holder could get their money back from the issuer if the supplier of the car failed to deliver the item. What does Section 75 not cover? There are a few exceptions to Section 75 cover worth highlighting: Section 75 does not apply to credit not directly associated with a given purchase. Personal loans, even where the purpose of the loan is stated in the application, are not covered by Section 75 provisions, as credit is not advanced to the consumer under arrangements between the credit provider and the supplier. Section 75 does not cover purchases made on debit cards, prepaid cards, cheques, postal orders or charge cards. Some protection is offered for users of these products, but it tends to be discretionary in nature and is not enshrined in statute as a legal consumer right. Section 75 offers consumers additional rights of recourse to a creditor over and above those already enshrined in the Sale of Goods Act 1979 and Consumer Rights Act 2015, but all consumers of who purchase goods which are not as described or of satisfactory quality and fit for purpose have recourse to the retailer under this law. Only purchases by the primary card holder, or where the main beneficiary is the primary card holder, are covered by Section 75. This is particularly relevant to additional cardholders, who do not benefit from the same provisions as the primary card holder, unless the item they purchased was for the sole or main benefit of the primary cardholder. 4
5 For example, items (costing between ,000) bought by children for parent A using an additional card linked to parent A s account would gain protection under Section 75, yet they would not be afforded the same protection if the gift was for parent B who was not the primary card holder. Section 75 only covers arrangements directly between the credit provider and the supplier. Where a third party is involved with the transaction, Section 75 is not applicable, e.g. Paypal, Amazon Marketplace - where items are supplied by re-sellers and not directly by Amazon - or Travel Agents. Users of Travel Agents registered with ATOL and ABTA are, however, afforded some enhanced consumer protections under schemes operated by those organisations. Only single items with a cash value of between 100 and 30,000 are covered. A bicycle costing and with a bell costing 1.00 would not be covered, yet a bicycle with a bell costing would be covered. Items paid for with cash withdrawn from an ATM using a credit card are not covered by Section 75, in the same way that personal loans are not covered, because a direct link between the credit and the item purchased is not established. Section 75 only applies to purchases made with credit in the capacity of a consumer. It does not therefore apply to business credit cards and users of these products should not expect Section 75 protection. Theoretically, purchases made with a consumer credit card for business purposes would not be covered either. 5
6 Claiming under Section 75 To claim redress under Section 75 you must contact your credit card issuer, not the transaction processing network (Visa, MasterCard, American Express), and request a form for claiming under Section 75 of the Consumer Credit Act Most credit card customer service hotlines should be fully aware of Section 75 and their procedure for redress, but some may ask you to put your request in writing. If your credit card issuer is unhelpful, or decides you do not have sufficient grounds for redress, and you disagree with their reasoning, you should seek the help of the Financial Ombudsman Service. Claims under Section 75 which have been with the credit card issuer for more than 8 weeks can immediately be referred to the Financial Ombudsman Service. Where individuals have submitted claims to an issuer who feels there is no case for redress (and less than 8 weeks have gone by since the original application), the individual should ask the issuer for a 'letter of deadlock' so the case can be submitted to the Financial Ombudsman Service. Further Reading & Resources Financial Ombudsman Service - Online technical resource for goods bought with credit Legislation.gov.uk - Consumer Credit Act 1974 Part VI Section 75 6
This Code, which is binding upon all ABTA Members, has been approved by the Board of Directors.
Issued: June 2018 Code of Conduct This Code, which is binding upon all ABTA Members, has been approved by the Board of Directors. The primary aims of this Code of Conduct are: To ensure that the public
More informationCUA Credit Cards. Conditions of Use and Credit Guide
CUA Credit Cards Conditions of Use and Credit Guide Effective 8 August 2016 Note: This document does not contain all of the required precontractual information for your Agreement. You should also refer
More informationTopic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
More informationTopic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
More informationBest Available Rate means the best rate available on any given day for a particular Property.
1. IMPORTANT 1.1. Please read these terms and conditions carefully. 1.2. All bookings made via Participating Websites or with The Anchorage Hotel / Spa directly are made subject to these terms and conditions
More informationCUA Credit Cards Conditions of Use and Credit Guide
CUA Credit Cards Conditions of Use and Credit Guide Effective 1 January 2019 Note: This document does not contain all of the required precontractual information for your Agreement. You should also refer
More informationADVICE NOTE FIRST EDITION (NOVEMBER 2013)
Consumer Credit Act 1974 Implications for Golf Clubs across Scotland Disclaimer: The Scottish Golf Union (SGU) and Scottish Ladies' Golfing Association (SLGA) have sought advice from law firm DLA Piper
More informationENCOMPASS CREDIT UNION VISA DEBIT CARD CONDITIONS OF USE
ENCOMPASS CREDIT UNION VISA DEBIT CARD CONDITIONS OF USE These Conditions of Use take effect on and from 1st March 2012 except as otherwise advised in writing and replace all VISA Debit Card Conditions
More informationPackage tours & holidays (before 1 July 2018)
https://www.businesscompanion.info/en/quick-guides/services/package-tours-andholidays-before-1-july-2018 Package tours & holidays (before 1 July 2018) In the guide What is a package holiday? Pre-holiday
More informationGuide to the house buying process
Guide to the house buying process www.caesar howie.co.uk For more information or to speak to one of our trained advisers please telephone our Senior Issues team on 0800 005 1755. The Caesar& Howie Group
More informationATOL terms & conditions
ATOL terms & conditions (Agency Name) - Conditions for our Agent Booking Services These Booking Conditions, together with any other written information we brought to your attention before your booking
More informationHume Bank Limited ABN AFSL & Australian Credit Licence No Conditions of Use. Hume Value, Clear and Business credit cards
Hume Bank Limited ABN 85 051 868 556 AFSL & Australian Credit Licence No. 244248 31 1st September November January 2019 2018 Conditions of Use Hume Value, Clear and Business credit cards These Conditions
More informationKINGDOM OF BAHRAIN VAT FINANCIAL SERVICES GUIDE
KINGDOM OF BAHRAIN VAT FINANCIAL SERVICES GUIDE MARCH 2019 VERSION 1.0 Contents Contents 1. Introduction... 5 1.1. Purpose of this Guide... 5 1.2. About the National Bureau for Revenue (NBR)... 5 1.3.
More informationYOUR CHOICE PREPAID CARD TERMS AND CONDITIONS
YOUR CHOICE PREPAID CARD TERMS AND CONDITIONS This Agreement applies to Your Card. You must read it carefully. By applying for or using the Card, You are agreeing to the contents of this Agreement. Your
More informationEmirates NBD Manchester United Rewards Programme Red Points Terms and Conditions
Emirates NBD Manchester United Rewards Programme Red Points Terms and Conditions Dwight Yorke, Bryan Robson and Andy Cole (Left to Right) 2 These Terms and Conditions stated herein govern the Emirates
More informationAdviceguide Advice that makes a difference
Secondhand cars When you buy a secondhand car, your rights will depend on whether you bought the car from a dealer, at an auction or from a private seller. Buying from a dealer - what the law says If you
More informationTrip Details. Personal Details. Booking Form and Terms and Conditions. In partnership with. Date: 24/11/2015 Page: 1
Page: 1 In partnership with Trip Details Travel dates 15-23 Sept 2016 Accommodation required twin rooms and two person tents Special requests Destination Rongai Route, Kilimanjaro Charity trek Marangu
More informationThe AFCA Approach to the 2013 code of banking practice
The AFCA Approach to the 2013 code of banking practice 1 At a glance... 2 1.1 Scope... 2 1.2 Summary... 2 2 In detail... 3 2.1 How we apply the Code to AFCA complaints... 3 2.2 Chargebacks and direct debits...
More informationLending Fees and Charges for Other Suncorp Bank Home Loans and Packages. Effective Date: 13 December 2017
Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 13 December 2017 Contents Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages 3 Special Requests,
More informationEE HOME BROADBAND OFFER TERMS AND CONDITIONS
EE HOME BROADBAND OFFER TERMS AND CONDITIONS 1. This offer is available to new customers who purchase an EE home broadband plan during the promotional period via qualifying channels. 2. Offer is available
More informationE F F E C T I V E 1 J A N U A R Y, IMB
Personal Loan TERMS AND CONDITIONS E F F E C T I V E 1 J A N U A R Y, 2 0 0 2 IMB Ltd ABN 92 087 651 974 Personal Loan Terms and Conditions This document does not contain all the contract terms or all
More informationUnit F. Payment methods v1.2. Copyright 2015 Citizens Advice. All rights reserved.
Unit F Payment methods v1.2 Citizens Advice is an operating name of the National Association of Citizens Advice Bureaux. Registered charity number 279057 VAT number 726 0202 76 Company limited by guarantee
More informationTopic 5 Sources of Finance. N5 Business Management
Topic 5 Sources of Finance N5 Business Management 1 Learning Intentions / Success Criteria Learning Intentions Sources of finance Success Criteria By end of this topic you will be able to describe: sources
More informationIn comparison, borrowing from a bank or building society is a business transaction with clearly defined rules to follow.
Teacher s notes money from friends/family People can borrow money from a friend or family member, in which case the arrangements for paying the money back are entirely up to the individuals. Although friends
More informationFees n Limits. Personal Banking fees and limits. It s Ours. Effective 15 April 2018
Fees n Limits. Personal Banking fees and limits Effective 15 April 2018 It s Ours. What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts and
More informationSpecial Terms and Conditions for Business Customer Agreement & Special Terms and Conditions for Danske Bank Corporate Card
Special Terms and Conditions for Business Customer Agreement & Special Terms and Conditions for Danske Bank Corporate Card 15 November 2012 (Please note that these Special Terms and Conditions apply in
More informationYour account charges explained
Your account charges explained 2 Contents Our Business Banking current accounts 2 Our accounts for not-for-profit organisations 2 Our general accounts in more detail 3 Our 5 Fixed Fee account plans 3 Day-to-day
More informationPaying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay.
Fixed Fee Account Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Choose the account plan that best suits your
More informationConditions of Use and Credit Guide
Conditions of Use and Credit Guide Effective December 2017 Credit Guide Latitude Finance Australia ABN 42 008 583 588 ( Latitude ), Australian Credit Licence Number 392145. This credit guide gives you
More informationInvesting in community shares
Investing in community shares Update to Investing in Community Shares From Communities UK Co-operatives and Community Benefit Societies: All Change What are the most significant features of the new legislation?
More informationINGENI AUTOMOTIVE FINANCE PRODUCT KNOWLEDGE. U N I T 2 : C o r e F i n a n c i a l P r o d u c t s w o r k b o o k
INGENI AUTOMOTIVE FINANCE PRODUCT KNOWLEDGE U N I T 2 : C o r e F i n a n c i a l P r o d u c t s w o r k b o o k UNIT 2 CORE FINANCIAL PRODUCTS INTRODUCTION This module covers the most common methods
More informationGem Visa Conditions of Use
Gem Visa Conditions of Use Disclosure Statement Financial Advisers Act 2008 The information provided in this statement is important and may assist you in selecting a financial services provider, or if
More informationPlatinum Balance Transfer
Platinum Balance Transfer Terms and Conditions These are the conditions of an agreement between us, TSB Bank plc of PO Box,16591, Birmingham B25 9GR, and: Name of customer: Address: ( you ) The credit
More informationPFIN 7: Buying Decisions 45
PFIN 7: Buying Decisions 45 7-1 Buying Plans OBJECTIVES Explain the advantages of using a buying plan. List the steps of a buying plan. Set criteria for selecting one item over another to buy. Explain
More informationConditions of Use and Credit Guide
Conditions of Use and Credit Guide March, 2016 Credit Guide Credit provided by Latitude Finance Australia (ABN 42 008 583 588) ( Latitude ). Australian Credit Licence Number 392145. This credit guide gives
More informationTERMS OF BUSINESS 1. INTRODUCTION AND DEFINITIONS
TERMS OF BUSINESS Please read the following paragraphs carefully. These are our terms of business and explain the scope of our service to you. When you instruct us to act you are confirming that you agree
More informationBusiness ATM/Debit Terms and conditions
Business ATM/Debit Terms and conditions Terms and Conditions Business ATM Card and Visa Business Debit Card 1.0 Definitions 1.1 Account means the business current account in respect of which the Card
More informationCREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 The parties to this Agreement are Sainsbury's Bank plc, 33 Holborn, London, EC1N 2HT and of 1. Credit limit We will decide your credit limit
More informationLEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN
Decision Ref: 2018-0105 Sector: Product / Service: Conduct(s) complained of: Outcome: Banking Variable Mortgage Delayed or inadequate communication Dissatisfaction with customer service Failure to process
More informationAdvance Rewards Programme Terms and Conditions
Advance Rewards Programme Terms and Conditions 2 Definitions Unless the context otherwise requires, the following terms shall have the meanings assigned to them in this definition section: Account HSBC
More informationVisa Debit Conditions of Use
Visa Debit Conditions of Use BEFORE YOU USE YOUR VISA CARD Please read these Conditions of Use. They apply to: all transactions initiated by you through an Electronic Banking Terminal (which in these Conditions
More informationClear Current Account
Clear Current Account Contents Clear current account Banking made easy Switch your account to us Overdraft interest rates Current account s 2 4 5 5 How to keep interest and s as low 68 as possible Other
More informationBANKRUPTCY. Freephone. FACTSHEET 10 (2018)
What is Bankruptcy? Freephone 0800 083 8018 1 FACTSHEET 10 (2018) Bankruptcy is a way of dealing with debts that you cannot pay. Whilst you are bankrupt any assets that you have might be used to pay off
More informationOur service terms Commercial Terms of Business Version: April 2018 v2
Our service terms Commercial Terms of Business Version: April 2018 v2 Important Information and Commercial Terms of Business Contents IMPORTANT INFORMATION AND TERMS OF BUSINESS... 3 1 What this document
More informationTerms and Conditions including General explanatory information Information statement effective
NAB CREDIT CARDS Terms and Conditions including General explanatory information Information statement effective 07.11.2016 Lost/stolen card reporting In Australia Call toll free, 24 hours per day 1800
More informationSaving. Reasons for saving. Future purchases Unforeseen events Children s Education Income for the Future Holidays
Banking Saving Reasons for saving Future purchases Unforeseen events Children s Education Income for the Future Holidays Investing Why would you bother investing your savings? To earn interest For safety
More informationBuyer s Edge Credit Contract.
Issued March 2016 Buyer s Edge Credit Contract. Including Conditions of Use and Financial Table Buyer s Edge is a trademark of Latitude Finance Australia CONTENTS PART A INFORMATION ABOUT THESE CONDITIONS
More informationCREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 The parties to this Agreement are Sainsbury's Bank plc, 33 Holborn, London, EC1N 2HT and and of 1. Credit limit We will decide your credit
More informationConditions of Use Visa Debit. As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from )
Conditions of Use Visa Debit As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from 22.06.2012) 2 BEFORE YOU USE YOUR VISA CARD Please read these Conditions of Use. They apply to: all transactions
More informationConsumer credit authorisation Guidance for housing associations
Consumer credit authorisation Guidance for housing associations www.housing.org.uk Contents Introduction 3 When is authorisation required? 4 Activities requiring authorisation 6 Summary of regulated activities
More informationThe FOS Approach to 2013 Code of Banking Practice
The FOS Approach to 2013 Code of Banking Practice 1 At a glance 2 1.1 Scope 2 1.2 Summary 2 2 In detail 3 2.1 How we apply the Code to FOS disputes 3 2.2 Chargebacks and direct debits 3 2.3 Chargebacks
More informationProtecting your money. A guide to how the Financial Services Compensation Scheme (FSCS) protects your money
Protecting your money A guide to how the Financial Services Compensation Scheme (FSCS) protects your money About this leaflet This leaflet explains what FSCS is and how we protect your money. You should
More informationLEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN
Decision Ref: 2018-0103 Sector: Product / Service: Conduct(s) complained of: Outcome: Banking Personal Loan Application of interest rate Delayed or inadequate communication Substantially upheld LEGALLY
More informationWhat is Buying on Credit? What Kinds of Things Are Usually Bought on Credit? What is the Difference Between Open-End Credit and Closed-End Credit?
buying on credit What is Buying on Credit? When you buy on credit, you pay extra for the privilege of spreading your payments out over a period of time. What Kinds of Things Are Usually Bought on Credit?
More informationIDT FINANCIAL SERVICES LIMITED VANILLA VISA GIFT CARD UK
IDT FINANCIAL SERVICES LIMITED VANILLA VISA GIFT CARD UK PLEASE READ CAREFULLY AND RETAIN FOR FUTURE USE. IMPORTANT: MAKE A NOTE OF THE 16-DIGIT VANILLA VISA GIFT CARD NUMBER, TOGETHER WITH THE CUSTOMER
More informationHays Tour Operating Limited Booking Conditions
Hays Tour Operating Limited Booking Conditions 1. Your holiday contract 1.1. Your booking is made with Hays Tour Operating Limited ( us, we ), and the following booking conditions form the basis of your
More informationYour account charges explained.
Your account charges explained. To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The charges and tariffs
More informationHSBC Premier World Elite Mastercard. Terms and conditions
HSBC Premier World Elite Mastercard Terms and conditions Credit Card Agreement regulated by the Consumer Credit Act 1974. This agreement is made up of the key terms and the additional terms. Key Terms
More informationHow FSCS protects your money. A guide to the Financial Services Compensation Scheme
How FSCS protects your money A guide to the Financial Services Compensation Scheme How FSCS protects your money 2 About this document This document tells you who FSCS is and how we protect your money.
More informationPersonal Financial Services Fees and Charges. with effect from 1 December 2008
Personal Financial Services Fees and Charges with effect from 1 December 2008 About this Guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial services
More informationBLUESTONE GENERAL TERMS AND CONDITIONS
BLUESTONE GENERAL TERMS AND CONDITIONS NEW ZEALAND VERSION 9 [OCTOBER 2017] Bluestone Servicing NZ Limited trading as Bluestone Mortgages is the manager of loans incorporating these terms and conditions.
More informationYour account charges explained COMMERCIAL BANKING
Your account charges explained COMMERCIAL BANKING To ensure you have everything you need to know about our charges, this brochure has been designed to let you know when and how they will be applied. The
More informationCUSTOMER OWNED BANKING. we ve signed CODE OF PRACTICE
CUSTOMER OWNED BANKING CUSTOMER OWNED BANKING CODE OF PRACTICE Credit Unions, Mutual Building Societies and Mutual Banks July 2016 CUSTOMER OWNED BANKING The Customer Owned Banking Code of Practice is
More informationVISA CREDIT CARD DISCLOSURE AND AGREEMENT
(800) 634-6632 www.hondafcu.org 19701 Hamilton Ave., Suite 130 Torrance, California 90502-1352 VISA CREDIT CARD DISCLOSURE AND AGREEMENT THIS DISCLOSURE SUPERSEDES ALL DISCLOSURES PRIOR TO THE EFFECTIVE
More informationKey Features of the LGT Vestra Wealth LLP Investment Mandates offered through dps Select
Key Features of the LGT Vestra Wealth LLP Investment Mandates offered through dps Select THIS DOCUMENT CONTAINS IMPORTANT INFORMATION WHICH IS GIVEN TO YOU TO HELP YOU, THE INVESTOR, TO UNDERSTAND THE
More informationFor advisers only. Not for use with customers. Your guide to the Absolute Loan Trust
For advisers only. Not for use with customers. Your guide to the Absolute Loan Trust Contents Background 3 What is the Absolute Loan Trust? 4 Who is the Trust suitable for? 4 How the Trust works 5 The
More informationDebt Management Plan. Terms of Business
Debt Management Plan Terms of Business Important Note These terms of business (the Terms ) explain the rights and obligations of You and Us regarding the provision of your Debt Management Plan. You should
More information2. You must provide a valid address and postal address when registering for this offer.
EE REWARD CARD EE Mobile Offer Terms and Conditions 1. Eligible customers will receive an SMS from EE within 5 days of purchasing an eligible pay monthly product or upgrading an existing pay monthly plan,
More informationFacility Agreement Continuing Credit Facility - Line of Credit Terms & Conditions
Facility Agreement Continuing Credit Facility - Line of Credit Terms & Conditions Version 2, March 2013 Contents Section 1 Section 2 LINE OF CREDIT....1 DRAWDOWNS... 1 Section 3 REPAYMENTS........1 Section
More informationHow FSCS protects your money. A guide to the Financial Services Compensation Scheme
How FSCS protects your money A guide to the Financial Services Compensation Scheme 2 How FSCS protects your money About this leaflet This leaflet tells you who FSCS is and how we protect your money. You
More informationHSBC Premier Credit Card. Terms and conditions
HSBC Premier Credit Card Terms and conditions 2 Credit Card Agreement regulated by the Consumer Credit Act 1974. This agreement is made up of the key terms and the additional terms. Key Terms How much
More informationAgreement terms M&S CREDIT CARD. Key terms
M&S CREDIT CARD Agreement terms Credit Card Agreement regulated by the Consumer Credit Act 1974. This agreement is made up of the key terms and the additional terms. Key terms How much can you borrow?
More informationBankwestrdsm. 1. Overview of Bankwest More Rewards Program. 2. Definitions. Terms and Conditions. Contents
bankwest.com.au Bankwest More Rewards Program for the Bankwest Rewards Transaction Account 4 April 2017 Bankwestrdsm Terms and Conditions This booklet covers the terms and conditions that apply to the
More informationCorporate & Commercial. Your onecard account. An administrator s guide
Corporate & Commercial Your onecard account An administrator s guide Contents Get to know your onecard account 3 Making changes to your onecard account 4 New and replacement cards 5 Troubleshooting transaction
More informationFLA. Lending Code setting standards, creating transparency YEARS
FLA Lending Code 2017 25 YEARS setting standards, creating transparency KEY Each type of loan within this document is represented by the following colours: Loans taken out through a supplier of goods and
More informationGuidance on credit-related regulated activities
Guidance on credit-related regulated activities The following provides guidance on the credit-related regulated activities that a consumer credit firm may undertake under the arrangements set out in the
More informationLOVE2SHOP ONLINE and ANYWHERE PREPAID CARD TERMS AND CONDITIONS
LOVE2SHOP ONLINE and ANYWHERE PREPAID CARD TERMS AND CONDITIONS This Agreement applies to Your Card. You must read it carefully. By applying for or using the Card, You are agreeing to the terms set out
More informationInsolvency FAQs. inbrief. Inside
Insolvency FAQs Inside Trading with a company in administration Attending creditors meetings Directors responsibilities Employees of an insolvent company Introduction In the current economic climate many
More informationBusiness Debit Terms and conditions
Business Debit Terms and conditions Terms and Conditions Business ATM Card and Visa Business Debit Card 1.0 Definitions 1.1 Account means the business current account in respect of which the Card is issued.
More informationCASH REWARDS COLLABRIA CASH BACK CARD C33001
CASH REWARDS COLLABRIA CASH BACK CARD C33001 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria
More informationPERSONAL BANKING. Fees n Limits.
PERSONAL BANKING Fees n Limits. Effective 17 December 2018 What s Inside Here. 1. Everyday, savings and investment accounts 2 2. Overdraft facility 9 3. Credit cards 10 4. International accounts and services
More informationTesco Credit Card General Conditions
Tesco Credit Card General Conditions What you need to know This forms part of and should be read with your credit agreement signed by you and us. When we refer to us in this document we are referring to
More informationfirst direct Credit Card Terms
first direct Credit Card Terms Credit Card Agreement regulated by the Consumer Credit Act 1974. This agreement is made up of the key terms and the additional terms. Key Terms How much can you borrow? You
More informationTERMS AND CONDITIONS EOS CYCLING HOLIDAYS LTD
TERMS AND CONDITIONS EOS CYCLING HOLIDAYS LTD Article 1 Definitions Article 2 Acceptance and content of the arrangement Article 3 Payments Article 4 Pricing Article 5 Information Article 6 Travel documents
More informationCredit Facility Conditions of Use and Credit Guide
Credit Facility Conditions of Use and Credit Guide Effective November 2017 1710036LB 1 Contents LOMBARD VISA CARD ACCOUNT CONDITIONS OF USE 4 Definitions 4 PART A: THE LOMBARD VISA ACCOUNT 6 1. The Lombard
More informationYour account charges explained COMMERCIAL BANKING
Your account charges explained COMMERCIAL BANKING Contents Help with queries 2 Keeping your charges low 2 Electronic Business Tariff 4 Business Extra Tariff 4 Other service charges for all tariffs 8 Business
More informationCredit Facility. Conditions of Use and Credit Guide. Effective 11 May 2017
Credit Facility Conditions of Use and Credit Guide Effective 11 May 2017 1 Contents CONDITIONS OF USE 3 Definitions 3 INTERPRETATION 6 THE CARD ACCOUNT 7 1. The Card Contract 7 2. Opening a Card Account
More informationBanking. Charges Guide. Not exactly a thriller. But definitely essential reading.
Banking APPROVED DOCUMENT Clear design Simple language Charges Guide. Not exactly a thriller. But definitely essential reading. Click anywhere to begin, and then use the navigation buttons on the bottom.
More informationFCA Regulatory fees and levies: policy proposals for 2014/15
FCA Regulatory fees and levies: policy proposals for Response by the Money Advice Trust Date: JANUARY 2014 Contents Page 2 Page 3 Page 4 Page 5 Contents Introduction / About the Money Advice Trust Introductory
More informationMortgages. the conditions. NatWest One
Mortgages the conditions NatWest One 2 NatWest One account General Conditions These Conditions govern the operation of your NatWest One account. Your NatWest One account is a personal current account with
More informationComplete the claim form and send it to: Protect Claims, PO Box 6053, Rochford, SS1 9TT
FAILURE OF MERT SELIM LTD ATOL 11071 Date of Failure 11/05/2018 Complete the claim form and send it to: Protect Claims, PO Box 6053, Rochford, SS1 9TT Time Limits for making a Claim. Claims must be submitted
More informationOur service terms Consumer Terms of Business Version: July 2018 v3
Our service terms Consumer Terms of Business Version: July 2018 v3 Important Information and Consumer Terms of Business Contents IMPORTANT INFORMATION AND TERMS OF BUSINESS... 3 1 What this document is
More informationACCOUNT CHARGES. Your account charges explained
ACCOUNT CHARGES Your account charges explained March 2014 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges
More informationConditions of Use and Credit Guide
Conditions of Use and Credit Guide Important details about your Gem Visa October 2017 The way to pay with 0% interest 6 reasons you ll be saying it s a gem Booklet no. Enjoy 6 months interest free on any
More informationBusiness Credit Card Application Form Sole Traders or Partnerships (of 2 partners) requesting up to 2 cardholders
Business Credit Card Application Form Sole Traders or Partnerships (of 2 partners) requesting up to 2 cardholders This pack contains various separate sections containing information relating to the Business
More informationDoing Business with Fidelity FundsNetwork
Doing Business with Fidelity FundsNetwork Incorporating the Key Features of the Fidelity FundsNetwork ISA and Investment Fund Account For individual investors with an adviser This document must be read
More informationCredit Cards Conditions of Use
Credit Cards Conditions of Use Privacy Statement and Consent to Use Your Information 1 February 2018 About these Conditions of Use Your Card Contract comprises: 1. these Conditions of Use; 2. the Credit
More informationTERMS AND CONDITIONS
GREATER BUILDING SOCIETY LTD TERMS AND CONDITIONS PART 2 SCHEDULE OF FEES, CHARGES, TRANSACTIONAL LIMITS AND CONTACT DETAILS Dated: 1 October 2015 This document is Part 2 of the Terms and Conditions. The
More informationTerms of business for conveyancing
Terms of business for conveyancing We have prepared this document to make our terms and conditions of business as clear and understandable as possible, and to anticipate, as best we can, any queries you
More informationKey Features of the Ingenious Asset Management Investment Mandates offered through the dps Select Service
Key Features of the Ingenious Asset Management Investment Mandates offered through the dps Select Service THIS DOCUMENT CONTAINS IMPORTANT INFORMATION WHICH IS GIVEN TO YOU TO HELP YOU, THE INVESTOR, TO
More information