Information sheets

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.

The OFT published a General Notice with information sheets on 16 January 2008. A further General Notice was published on 4 April 2008, making a minor amendment to the January notice and introducing Welsh language versions of the sheets.

A General Notice making a minor amendment to the January notice, and also revising the text of all the sheets, was published on 7 November. The revised sheets will take effect from 7 February 2009. 

A further General Notice was published on 28 November 2008. As this only amends the previous notice, it too takes effect from 7 February 2009.

The General Notice of 16 January 2008 is available here (pdf 75 kb).

The General Notice of 4 April 2008 is available here (pdf 64 kb).

The General Notice of 7 November 2008 is available here (pdf 64 kb).

The General Notice of 28 November 2008 is available here (pdf 55 kb).

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.

English (from 7 February 2009):

Arrears information sheet - colour (187 kb)
Arrears information sheet - mono (99 kb)

Default information sheet - colour (83 kb)
Default information sheet - mono (80 kb)

Welsh (from 7 February 2009):

Arrears information sheet - colour (63 kb)
Arrears information sheet - mono (100 kb)

Default information sheet - colour (64 kb)
Default information sheet - mono (61 kb)

If there are any queries these should be addressed as follows:

Consumer queries - enquiries@oft.gsi.gov.uk

Licensing queries - enquiries@oft.gsi.gov.uk

Queries about interpretation of the legislation - credit.guidance@oft.gsi.gov.uk

Back to: Consumer Credit Act 2006