Pre-Contract Credit Information (PCCI) is a legal requirement for lenders. It replaces the European version of the Standard European Consumer Credit Information (SECCI) and must be provided to consumers ahead of them entering into a regulated agreement. The PCCI provides the customer with key information in relation to features, costs and consumer rights for the product/service selected.

Electronic: Pre-Contract Information is a downloadable files (PDF and Word format). You will have access to a hard copy and electronic version. Files are in colour and use common system fonts.

Hard copy: Pre-Contract Information is printed in black and white on double sided A3 and folded to A4 size.

Inclusion: Pre-Contract Information is included in all our regulated credit agreements, regulated hire agreements and regulated lease agreements.

The Adequate Explanations document is a regulatory requirement for firms entering into a regulated credit agreement. Under FCA CONC rules, this document provides key information to the customer including the suitability of the product, the financial particulars i.e. payments and frequency, consequences of late payments and defaults and rights to complain.

Electronic: Adequate Explanations are downloadable files (PDF and Word format). You will have access to a hard copy and electronic version. Files are in colour and use common system fonts.

Hard copy: Adequate Explanations are printed in black and white on double sided A3 and folded to A4 size.

Inclusion: Adequate Explanations are included in all our regulated credit agreements and our IC 1.0 Guarantee & Indemnity form.

Cover sheets are a guidance document for creditor/lender use. It helps ensure that relevant documents, such as PCCI and Adequate Explanations, have been provided to the customer and all information contained within are accurate, before the customer signs an agreement.

Electronic: The cover sheet is a downloadable file (PDF and Word format). You will have access to a hard copy and electronic version. Files are in colour and use common system fonts.

Hard copy: Cover Sheets are located on the first page of your agreement pad.

Inclusion: Cover Sheets are included in all our regulated credit agreements, regulated hire agreements and regulated lease agreements.

Our suite includes a range of regulated, unregulated and exempt agreements. Guarantee and Indemnity forms, Default Notices and Settlement Statements are also available. Full details are available here.

Electronic: Agreements are available as downloadable files (PDF and Word format). You will have access to a hard copy and electronic version. Files are in colour and use common system fonts. Electronic versions have specific content regarding electronic signatures. Hard copy versions have wording relating to physical signatures.

Hard copy: Our agreements are sold in multiples of 25. One agreement pad includes five agreements and a carbon copy for each page. As such, an order of 25 agreements will be delivered in five pads.

All of our agreements underwent a complete review in 2022, which covered both content and format. The layouts have also been adjusted to improve readability and usability. Font sizes have been increased throughout. We have also increased the line spacing and clearly defined each section of the agreement with sub-headings.

As part of our complete review in 2022, we also made significant changes to the Terms and Conditions pages of our agreements. In addition to reviewing the content, we have also increased our font sizes and improved our layout. Each clause is clearly defined and placed into sections.