Frequently Asked Questions

  • HARD COPY AGREEMENTS
  • ELECTRONIC AGREEMENTS
  • GENERAL QUERIES
  • Why should I purchase CCTA agreements?

    Our comprehensive range of credit agreements, hire agreements and statutory documents are suitable for most purposes. They are drafted, where applicable, in accordance with the provisions of the Consumer Credit Act 1974 and Regulations made under it.

    CCTA agreements and documents are reviewed annually and updated in accordance with changes to legislation.

  • What agreements do I need?

    Our Agreement Descriptions page sets out the different agreements that are available and the types of products they cover. We would also be happy to discuss your requirements with you. However, as the decision is your responsibility, we urge you to see independent legal advice prior to purchase, if required.

  • What sort of agreements are available?

    Agreements are available for both regulated and unregulated products. We also provide standard default notices, indemnity and guarantee documents and settlement statements.

    The full list of documents available can be found on the Agreement Descriptions page.

  • Why don’t the agreements cover all the elements of my products?

    CCTA agreements and documents cover the information that must be included, for example under the Consumer Credit Act and related regulations. It would not be possible to offer variations to cover the extensive variety of products offered by some members.

  • Can I make changes to the agreements?

    We understand that some members want to make changes to the agreements. CCTA must receive a written request for any changes to our documents. You will need to satisfy yourself that the changes you propose are permitted under the relevant regulations. If we agree to the changes, we will ask you to note on the agreement that you have made these changes.

  • The document code I have does not match the document codes on your website. What do I do?

    All of our agreements underwent a complete review in 2022. The Agreement Descriptions page lists all of our agreements along with their current and previous document codes.

  • Who can purchase hard copy agreements?

    Both CCTA members and non-members are welcome to purchase our agreements and statutory documents. It is worth noting that CCTA members receive a 30% discount on standard prices.

  • Do hard copy agreements include a carbon copy?

    A single carbon copy is provided for every page of the agreement. The purchaser is responsible for making additional copies, if required.

  • Why does my document look different to what we have received previously?

    All of our agreements underwent a complete review in 2022. This review covered both content and format. The formatting of our agreements has been adjusted to improve readability and usability.

  • Can you send me a sample document?

    We are not able to provide sample documents. Our Agreement Descriptions page provides details of all our documents.

    In addition to this, our Updated Agreements page includes mock-up images that illustrate our new format and layout.

    You can also contact us to discuss the sections that are included in the agreement you are considering.

  • What are the costs involved?

    Full details of all our pricing are listed in our CCTA Agreements Brochure. For optimal viewing, we recommend downloading the PDF and viewing in Full Screen Mode.

    A £5 delivery charge is also applied to your order.

  • Are discounts available?

    Yes. Members receive a 30% discount on standard prices. A 10% discount is applied when ordering 75 of the same document. A 15% discount is applied when ordering 100 of the same document.

  • What quantities am I able to order?

    CCTA hard copy agreements are printed in pads of five and sold in multiples of 25.

    A pad of agreements contains five agreements, along with the carbon copy duplicate.

    An order of 25 agreements will be delivered in five agreement pads, along with any other additional items such as Pre Contract Information etc.

  • How do I purchase hard copy agreements?

    CCTA members should use the CCTA Member Order Form in order to receive discounted prices. Members will need their login details to access this page.


    RETRA members should use the RETRA Member Order Form in order to receive discounted prices.

    Non-members should use the Non-Member Order Form.

  • When will I receive my order?

    Orders will be delivered within two working days of receiving payment for your order.

    Please contact us if you have not received your order within this time frame so that we can investigate further.

  • Who can purchase electronic agreements?

    Electronic agreements are a membership benefit. As such, they are available exclusively to CCTA members. If you wish to join the association and access our electronic agreements, please submit our Membership Enquiry Form so we can discuss your requirements and provide a package quote.

  • What are the benefits of electronic agreements?

    Our range of credit agreements, hire agreements and statutory documents are drafted, where applicable, in accordance with the Consumer Credit Act 1974 and its regulations.

    Always work with the latest versions
    CCTA agreements and documents are reviewed annually and updated in accordance with changes to legislation. Members who purchase electronic agreements are always provided with the most current versions, giving you the peace of mind that your agreements are fully compliant with the latest regulations.

    No stock levels or storage to manage
    Unlike hard copy agreements, there are no stock levels to manage or waiting for your agreements to be delivered. Electronic agreements also remove storage and physical filing issues.

    No hard copy agreement costs
    Once you have paid your initial set up fee, you will only be invoiced a renewal fee each January. This removes the expense of placing frequent hard copy orders.

    Electronic agreements have unlimited use
    All of our agreements can be used an unlimited number of times. Members can use our electronic agreements continuously and have access to the latest versions simply by paying the renewal fee, which is invoiced each January.

    Embed our agreements into your system
    It may be possible to embed our electronic agreements into your current systems. Please discuss your requirements with our software and systems associate members for further information.

    Manage your agreements in the Member Hub
    Log in to the Member Hub to view the status of your electronic agreements. From here you can check that your renewal fee has been paid and download the electronic agreements. You can also update your details to ensure the correct members of your team are notified when new versions of agreements are released.

  • What format are the electronic agreements?

    Our electronic agreements can be downloaded from the Member Hub in both PDF and Word format.

    The “hard copy” version can be printed and used when the agreement is being signed with a physical signature. The “electronic” version should be used when the agreement will be signed with an electronic signature.

    We are currently working on an additional variation that will include mail merge functionality. More details regarding this will be published in the near future.

  • How do the electronic agreements work?

    Our electronic agreements can be downloaded from the Member Hub. They are available in both Word and PDF format. You have the option to either print the agreements or complete them digitally. Alternatively, our agreements can be embedded into a range or software. For more information, please contact our software and systems associate members.

  • Why does my electronic document look different to the version I have?

    All of our agreements underwent a complete review in 2022. This review covered both content and format. The formatting of our agreements has been adjusted to improve readability and usability.

  • Can you send me a sample document?

    We are not able to provide sample documents. Our Agreement Descriptions page provides details of all our documents. You can also contact us to discuss the sections that are included in the agreement you are considering.

  • What are the costs involved?

    Full details of all our pricing are listed in our CCTA Agreements Brochure. For optimal viewing, we recommend downloading the PDF and viewing in Full Screen Mode.

    An initial setup fee is charged for each agreement. You will also be charged a pro-rata annual fee. Going forward, you will be sent an annual renewal fee for each agreement in January.

  • Are discounts available?

    Yes. We are able to offer a 10% discount if you purchase two electronic agreements or a 15% discount if you purchase three or more. Please note that this offer does not include default notices or settlement statements.

    If you wish to join the association and access our electronic agreements, please submit our Membership Enquiry Form so we can discuss your requirements and provide a package quote.

  • How do I purchase electronic agreements?

    CCTA members should email agreements@ccta.co.uk with the codes of the documents you require. The document codes can be found on our Agreement Descriptions page. We will then be in touch with your quote.

    Non-members should submit our Membership Enquiry Form so we can discuss your requirements and provide a package quote.

  • When and how will I receive my electronic agreements?

    Once your invoice has been paid, you will be able to download the agreement by logging in to the Member Hub. The download links are deactivated at the end of the year and reactivated once your January renewal fee invoice is paid.

    Members are notified by email and directed to the Member Hub when a new agreement version is released.

  • When should I switch over to the new agreements?

    In line with Consumer Duty, all our agreements and statutory documents have been reviewed and improved in terms of layout, readability and ease of understanding. We recommend that firms start to use these now as they will aide outcome testing in relation to Consumer Understanding.

    You may still have stock of the previous versions of the agreements. Whilst these are still legally valid and can be used for now, we strongly recommend using the new and improved versions (agreement codes ending in 1.0) post-Consumer Duty implementation date of 31st July 2023.

  • Are the agreements printed in black and white?

    Our hard copy agreement pads are printed in black and white in order to reduce print costs (and therefore sale prices).

    The electronic versions use colour, which gives you the option to print your own hard copies in colour. The electronic versions will also appear in colour on-screen.