The Consumer Credit Act 1974, as amended, requires the OFT to prepare and give general notice of information sheets to accompany arrears notices and default notices. Lenders are required (since 1 October 2008) to include a copy of the current information sheet with each relevant notice under the Act.
The information sheets are intended to help debtors and hirers who receive arrears notices or default notices under the Act, by providing information on key rights and responsibilities and where to go for help or advice.
PDF versions of the information sheets are available to download below. There are two PDFs for each sheet. One is for colour printing and the other for black-and-white printing. The PDFs are suitable for inkjet, laser (digital) or offset litho printing. Further instructions are set out in the General Notices.
Copies of the information sheets can be made available in alternative formats (large print, Braille or audio tape) on individual request by consumers or lenders.
Revised information sheets (edition 6/12) take effect by 30 June 2012. After that date, creditors should only use this edition, but they may use this edition earlier if they wish. The relevant General Notice can be found in the lower section of this page. The revised sheets are:
English:
Arrears information sheet - colour (247kb)
Arrears information sheet - mono (244kb)
Default information sheet - colour (251kb)
Default information sheet - mono (248kb)
Welsh:
Arrears information sheet - colour (258kb)
Arrears information sheet - mono (256kb)
Default information sheet - colour (258kb)
Default information sheet - mono (264kb)
The current versions of the information sheets (in force from 22 June 2010) are:
English:
Arrears information sheet - colour (60kb)
Arrears information sheet - mono (56kb)
Default information sheet - colour (61kb)
Default information sheet - mono (58kb)
Welsh:
Arrears information sheet - colour (62kb)
Arrears information sheet - mono (60kb)
Default information sheet - colour (62kb)
Default information sheet - mono (58kb)
General Notices on information sheets:
The General Notices detailing the content and presentation of the information sheets are listed below in date order (most recent shown first):
The General Notice of 27 March 2012 is available here (pdf 112kb).
The General Notice of 22 March 2010 is available here (pdf 38kb).
The General Notice of 23 December 2009 is available here (pdf 56kb).
The General Notice of 28 November 2008 is available here (pdf 55 kb).
The General Notice of 7 November 2008 is available here (pdf 64 kb).
The General Notice of 4 April 2008 is available here (pdf 64 kb).
The General Notice of 16 January 2008 is available here (pdf 75kb).
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