Information sheets: consumer credit

Use these information sheets to let consumers know their rights and responsibilities when you send 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
  • Cyan Magenta Yellow Black (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.

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

On 24 May 2021, we issued updated consumer credit information sheets in accordance with the Consumer Credit Act 1974 (section 86A). We have specified that these will come into force on 25 October 2021 in accordance with section 86A(7) of that Act.

We changed these sheets to provide more targeted and useful help to customers, particularly those with mental wellbeing issues.

Until 24 October 2021 firms must use the current versions of the information sheets – 26 July 2018-24 October 2021.

From 25 October 2021 firms must use the new versions – effective from 25 October 2021.

Information sheets: effective 25 October 2021

Information sheets: effective 27 July 2018 – 24 October 2021