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)[1].
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
Arrears – effective 25 October 2021
- Arrears information sheet – CMYK – A4[2]
- Arrears information sheet – mono – A4[3]
- Arrears information sheet – CMYK with crop marks[4]
- Arrears information sheet – mono with crop marks[5]
Welsh
- Taflen wybodaeth Ôl-ddyledion – A4[6]
- Taflen wybodaeth Ôl-ddyledion – mono – A4[7]
- Taflen wybodaeth Ôl-ddyledion – CMYK with crop marks[8]
- Taflen wybodaeth Ôl-ddyledion – mono with crop marks[9]
Default – effective 25 October 2021
- Default information sheet – A4[10]
- Default information sheet – mono - A4[11]
- Default information sheet – CMYK with crop marks[12]
- Default information sheet – mono with crop marks[13]
Welsh
High-cost short-term loans – effective 25 October 2021
- High-cost short-term loans information sheet – A4[18]
- High-cost short-term loans information sheet – mono - A4[19]
- High-cost short-term loans information sheet – CMYK with crop marks[20]
- High-cost short-term loans information sheet – mono with crop marks[21]
Welsh
High-cost short-term loans peer-to-peer lenders (P2P) – effective 25 October 2021
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet – A4[26]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet – mono - A4[27]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet – CMYK with crop marks[28]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet – mono with crop marks[29]
Welsh
- Taflen wybodaeth – Benthyciadau tymor byr cost uchel – Peer to Peer – A4[30]
- Taflen wybodaeth – Benthyciadau tymor byr cost uchel – Peer to Peer – mono - A4[31]
- Taflen wybodaeth – Benthyciadau tymor byr cost uchel – Peer to Peer – CMYK with crop marks[32]
- Taflen wybodaeth – Benthyciadau tymor byr cost uchel – Peer to Peer – mono with crop marks[33]
Arrears peer-to-peer lenders (P2P) – effective 25 October 2021
- Arrears – peer-to-peer lending information sheet – A4[34]
- Arrears – peer-to-peer lending information sheet – mono - A4[35]
- Arrears – peer-to-peer lending information sheet – CMYK with crop marks[36]
- Arrears – peer-to-peer lending information sheet – mono with crop marks[37]
Welsh
Information sheets: effective 27 July 2018 – 24 October 2021
Arrears – effective 27 July 2018 – 24 October 2021
- Arrears information sheet - A4[41]
- Arrears information sheet - mono - A4[42]
- Arrears information sheet - CMYK with crop marks[43]
- Arrears information sheet - mono with crop marks[44]
Welsh
Default – effective 27 July 2018 – 24 October 2021
- Default information sheet - A4[49]
- Default information sheet - mono - A4[50]
- Default information sheet - CMYK with crop marks[51]
- Default information sheet - mono with crop marks[52]
Welsh
High-cost short-term loans – effective 27 July 2018 – 24 October 2021
- High-cost short-term loans information sheet - A4[57]
- High-cost short-term loans information sheet - mono - A4[58]
- High-cost short-term loans information sheet - CMYK with crop marks[59]
- High-cost short-term loans information sheet - mono with crop marks[60]
Welsh
High-cost short-term loans peer-to-peer lenders (P2P) – effective 27 July 2018 – 24 October 2021
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet - A4[64]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet - mono - A4[65]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet - CMYK with crop marks[66]
- High-cost short-term loans peer-to-peer lenders (P2P) information sheet - mono with crop marks[67]
Welsh
- Taflen wybodaeth - Benthyciadau tymor byr cost uchel - Peer to Peer - A4[68]
- Taflen wybodaeth - Benthyciadau tymor byr cost uchel - Peer to Peer - mono - A4[69]
- Taflen wybodaeth - Benthyciadau tymor byr cost uchel - Peer to Peer - CMYK with crop marks[70]
- Taflen wybodaeth - Benthyciadau tymor byr cost uchel - Peer to Peer - mono with crop marks[71]
Arrears peer-to-peer lenders (P2P) – effective 27 July 2018 – 24 October 2021
- Arrears – peer-to-peer lending information sheet - A4[72]
- Arrears – peer-to-peer lending information sheet - mono - A4[73]
- Arrears – peer-to-peer lending information sheet - CMYK with crop marks[74]
- Arrears – peer-to-peer lending information sheet - mono with crop marks[75]
Welsh
: Link changed 4 links updated for arrears effective July 2018 to October 2021
: Editorial amendment page update as part of website refresh
