The Consumer Loan Agreement is essential for any regulated lending activity to individual consumers in England and Wales. This document is required when providing credit to individuals for personal use, whether for specific purchases, debt consolidation, or general purposes. The agreement must comply with strict regulatory requirements under the Consumer Credit Act 1974, Financial Services and Markets Act 2000, and FCA guidelines. It includes mandatory information about interest rates, charges, repayment terms, and borrower's statutory rights, ensuring transparency and consumer protection in line with UK legislation.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and purpose
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being borrowed and its intended use
5. Interest Rate and Charges: Details of interest rate, APR, and any additional charges
6. Repayment Terms: Payment schedule, method, and duration
7. Default and Consequences: What constitutes default and resulting actions
8. Borrower's Rights: Statutory rights including right to early repayment
1. Security: Details of any collateral - include only for secured loans
2. Insurance Requirements: Mandatory insurance requirements - include when insurance is required
3. Guarantor Provisions: Terms relating to guarantor obligations - include when loan requires a guarantor
1. Schedule 1: Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Schedule 2: Pre-Contract Information: Standard European Consumer Credit Information (SECCI)
3. Schedule 3: Direct Debit Mandate: Template for direct debit payment authorization
4. Appendix A: Important Information Notice: Statutory warnings and information required by Consumer Credit Act 1974
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