Information sheets: consumer credit

Consumer credit firms can download the information sheets to accompany arrears and default notices.

Lenders must include a copy of the relevant information sheet when notifying a consumer that they are in arrears or default. This is required by the Consumer Credit Act 1974 (section 86A).

These information sheets are intended to help consumers by telling them about their rights and responsibilities, and where they can get help.

The sheets are available in English and Welsh and can be printed in colour or mono.

Each information sheet is available in PDF format as:

  • A4 colour and mono for web
  • CMYK colour and mono with crop marks and bleeds for print (for professional printers)

If you want your print supplier to add a bar code, please insert it on the footer of the front page.

Lenders must use the information sheets below rather than any previously provided by the Office of Fair Trading.

We can provide copies of the available information sheets in alternative formats (such as Braille, large print or audiotape) on request.

New versions of the information sheets for 2017 do not become current until 3 months after they are published on our website, in accordance with the Consumer Credit Act 1974 (section 86A).

Until 13 April 2017 firms must use the current versions of the information sheets – effective from 2014 to 13 April 2017.

From 14 April 2017 firms must use the new versions – effective from 14 April 2017.

We withdrew a previous version of these information sheets that were intended to become effective on 18 January 2017. Any firms who downloaded the withdrawn versions must take care not to use them, as they contained an error.

Information sheets: effective from 14 April 2017

Arrears ­– effective from 14 April 2017

Welsh

Default – effective from 14 April 2017

Welsh

High-cost short-term loans – effective from 14 April 2017

Welsh

High-cost short-term loans peer-to-peer lenders (P2P) ­– effective from 14 April 2017

Welsh

Arrears peer-to-peer lenders (P2P) – effective from 14 April 2017

Welsh

Information sheets: effective from 2014 to 13 April 2017

Arrears ­– effective from 1 April 2014 to 13 April 2017

Welsh

Default – effective from 1 April 2014 to 13 April 2017

Welsh

High-cost short-term loans – effective from 1 July 2014 to 13 April 2017

Welsh

High-cost short-term loans peer-to-peer lenders (P2P) ­– effective from 1 July 2014 to 13 April 2017

Welsh

Arrears peer-to-peer lenders (P2P) – effective from 1 October 2014 to 13 April 2017

Welsh