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 2018 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 26 July 2018 firms must use the current versions of the information sheets –13 April 2017-26 July 2018.

From 27 July 2018 firms must use the new versions – effective from 27 July 2018.

On 22 May 2018, we updated some of the new versions of the information sheets, i.e. Information sheets: effective 27 July 2018 because the files originally uploaded for black and white versions contained an error in the colour separations. These have now been corrected.

Information sheets: effective 27 July 2018

Arrears ­– effective 27 July 2018

Welsh

Default – effective 27 July 2018

Welsh

High-cost short-term loans – effective 27 July 2018

Welsh

High-cost short-term loans peer-to-peer lenders (P2P) ­– effective 27 July 2018

Welsh

Arrears peer-to-peer lenders (P2P) – effective 27 July 2018

Welsh

Information sheets: effective from 13 April 2017 - 26 July 2018

Arrears ­– effective from 13 April 2017 - 26 July 2018

Welsh

Default – effective from 13 April 2017 - 26 July 2018

Welsh

High-cost short-term loans – effective from 13 April 2017 - 26 July 2018

Welsh

High-cost short-term loans peer-to-peer lenders (P2P) ­– effective from 13 April 2017 - 26 July 2018

Welsh

Arrears peer-to-peer lenders (P2P) – effective from 13 April 2017 - 26 July 2018

Welsh