Common use of MISSING PAYMENTS Clause in Contracts

MISSING PAYMENTS. Missing payments could have severe consequences and may make obtaining credit more difficult. This agreement is not cancellable. This is a Hire Agreement regulated by the Consumer Credit ▇▇▇ ▇▇▇▇. Sign it only if you want to be legally bound by its terms. Signature(s) of Hirer(s) Date(s) of Signature(s) Under this agreement the goods do not become your property and you must not sell them. Acceptance for Europcar Signed: Dated: which is the date of this agreement The personal information you provide to us will be used to consider and process your application and to administer this agreement before, during and after its termination. We will use a credit scoring or other automated decision- making system when assessing your application. The criteria for such credit scoring will be set by us in our absolute discretion. We do not have to disclose the criteria to you. To assist us with our assessment of your application we will search your record with credit reference agencies (‘CRAs’). The CRAs will add details of our search and of your application to your record and your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This information will be seen by other organisations that make searches (ie., it will leave a footprint on your credit profile). We will continue to exchange information about you with CRAs on an ongoing basis. This exchange will include details of this agreement, the payments you make under it, your settled accounts and any debts not fully repaid on time; any default or failure to keep to its terms and any change of address you fail to tell us about where a payment is overdue. This may have an impact on your credit profile. We may also notify the British Vehicle Rental and Leasing Association. It is important that you give us accurate information. We will also check your details with fraud prevention agencies and if you give us false or inaccurate information and if we suspect fraud, then we will record this. CRAs will share your information with other organisations and it will be used by us and those other organisations to: 1 help make decisions about credit and credit related services such as insurance for you and other persons with whom you are financially connected; 2 trace debtors, recover debt and prevent money laundering and fraud, to manage your accounts. For these purposes we or those other organisations may make further searches. The CRAs and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud. We may also use information about you to carry out market research. The identities of the CRAs and the ways in which they use and share personal information is explained in more detail at ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇/index.html. If you want to have details of the CRAs from whom we obtain and to whom we pass information about you, please write to us, marking your letter for the attention of the Regulated Business Unit, at ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇. You have a legal right to these details. You have a right to receive a copy of the information we hold about you if you apply to us in writing and marking your letter for the attention of the Director of Legal Services, at ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇ or by email to _▇▇-▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇. Our full privacy policy is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇▇▇-▇▇▇▇▇▇

MISSING PAYMENTS. Missing payments could have severe consequences and may make obtaining credit more difficult. This agreement is not cancellable. This is a Hire Agreement regulated by the The Consumer Credit ▇▇▇ ▇▇▇▇. Sign it only if you want to be legally bound by its terms. Signature(s) of Hirer(s) Date(s) of Signature(s) Under Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order. The Act also gives you a number of rights. You can settle this agreement at any time by giving notice and paying off the goods amount you owe under the agreement. You can settle this agreement in part at any time by giving notice and paying off some of the amount you owe. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens’ Advice Bureau. * delete as appropriate If you are unhappy with any of the conditions relating to your requested lending, please do not become sign the document, but instead speak to your property and relationship manager. If you must not sell them. Acceptance for Europcar Signed: Dated: which is the date are still unhappy you can appeal to our Independent Appeals Team to review your case within 30 days of this agreement The personal information you provide to us will be used to consider and letter. You can find further details about the process your application and to administer this agreement before, during and after its termination. We will use a credit scoring or other automated decision- making system when assessing your application. The criteria for such credit scoring will be set by us in on our absolute discretion. We do not have to disclose the criteria to you. To assist us with our assessment of your application we will search your record with credit reference agencies (‘CRAs’). The CRAs will add details of our search and of your application to your record and your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This information will be seen by other organisations that make searches (ie., it will leave a footprint on your credit profile). We will continue to exchange information about you with CRAs on an ongoing basis. This exchange will include details of this agreement, the payments you make under it, your settled accounts and any debts not fully repaid on time; any default or failure to keep to its terms and any change of address you fail to tell us about where a payment is overdue. This may have an impact on your credit profile. We may also notify the British Vehicle Rental and Leasing Association. It is important that you give us accurate information. We will also check your details with fraud prevention agencies and if you give us false or inaccurate information and if we suspect fraud, then we will record this. CRAs will share your information with other organisations and it will be used by us and those other organisations to: 1 help make decisions about credit and credit related services such as insurance for you and other persons with whom you are financially connected; 2 trace debtors, recover debt and prevent money laundering and fraud, to manage your accounts. For these purposes we or those other organisations may make further searches. The CRAs and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud. We may also use information about you to carry out market research. The identities of the CRAs and the ways in which they use and share personal information is explained in more detail at website ▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇/index.html. If you want to have details of the CRAs from whom we obtain and to whom we pass information about you, please write to us, marking your letter for the attention of the Regulated Business Unit, at ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇. You have a legal right to these details. You have a right to receive a copy of the information we hold about you if you apply to us in writing and marking your letter for the attention of the Director of Legal Services, at ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇ or by email to _▇▇-▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇. Our full privacy policy is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/business-finance/lending-support/appeals-process/. You can’t use this process to appeal the proposed costs of agreed lending, such as interest rates, fees and costs, or our standard terms and conditions. If you do appeal our lending condition(s), then this could delay how long it takes for us to put your new lending facility in place, although we aim to deal with 90% of all appeals within 30 days of receipt.. Information is available in large print, audio tape and Braille on request. ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ We accept calls via Text Relay. Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Bank of Scotland plc Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Pre-contract information – EFG Variable Rate Between us Of (full branch address) and you (customers full name) (address) In condition 7 we set out special meanings we have given to some words in this agreement. [ ] instalments of interest accrued since your last instalment date (or, in the case of your first instalment, since we provided the Loan); then* [ ] instalments of £ [ ] plus interest accrued since your last instalment date (or, in the case of your first instalment since we provided the Loan)*; and one final instalment of all amounts then outstanding We will lend you the Cash Loan. Amount of loan Instalments

MISSING PAYMENTS. Missing payments could have severe consequences and may make obtaining credit more difficult. This Once you have signed this agreement is you have a short time in which to cancel it. Details of how to cancel it will be sent to you by us. IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 covers this agreement and lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot cancellableenforce this agreement against you without getting a court order. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens’ Advice Bureau. This is a Hire Agreement regulated by the Consumer Credit ▇▇▇ ▇▇▇▇. Sign it only if you want to be legally bound by its terms. Signed for and on behalf of Hyundai Capital UK Limited trading as Hyundai Finance Contract Hire Signature(s) of Hirer(s) ): Date(s) of Signature(s) signature(s): Date of this agreement: Under this agreement the goods do not become your property and you must not sell them. Acceptance for Europcar Signed: Dated: which Your agreement with us is made up these first 3 page(s) ("the date of this agreement The personal information you provide to us will be used to consider Key Information Pages") and process your application and to administer this agreement before, during and after its termination. We will use a credit scoring or other automated decision- making system when assessing your application. The criteria for such credit scoring will be set by us in our absolute discretion. We do not have to disclose the criteria to you. To assist us with our assessment of your application we will search your record with credit reference agencies (‘CRAs’). The CRAs will add details of our search and of your application to your record and your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This information will be seen by other organisations that make searches (ie., it will leave a footprint on your credit profile). We will continue to exchange information about you with CRAs on an ongoing basis. This exchange will include details of this agreement, the payments you make under it, your settled accounts and any debts not fully repaid on time; any default or failure to keep to its attached terms and any change of address you fail to tell us about where a payment is overdueconditions. This may have an impact on your credit profile. We may also notify the British Vehicle Rental and Leasing AssociationYou should read these carefully. It is important that you give us accurate informationread clause 14 'Use of Your Information' of the terms and conditions below before you sign this agreement as it explains how we will use your personal information when you enter into the agreement with us. By signing this agreement, you confirm that you have read clause 14. We and other third parties would like to contact you by post, telephone, e-mail and/or SMS to tell you about products and services that we and they consider may be of interest to you. By agreeing to be contacted, you will also check receive information about new products and services along with offers, special promotions and competitions. Please tick the relevant boxes below if you would like to receive these communications. I would like you to contact me about products and services from Hyundai Finance and I would like you to provide my details to Hyundai Motor UK Limited and associated intermediary so that they can each contact me about the products and services they offer. To confirm agreement please tick the relevant boxes below: Post □ Phone □ E-mail □ SMS □ In order to enable contact with you by e-mail and/or SMS, we will need some additional contact details. Please let us have your: E-mail address…………………………………… Mobile number………………………………….. You have the right at any time to ask us, or those identified above, to stop contacting you or passing your details with fraud prevention agencies and if you give to others for marketing purposes. Please follow the unsubscribe instructions in the relevant communication or contact our customer services department on 0800 0749 756 or write to us false or inaccurate information and if we suspect fraud, then we will record this. CRAs will share your information with other organisations and it will be used by us and those other organisations to: 1 help make decisions about credit and credit related services such as insurance for you and other persons with whom you are financially connected; 2 trace debtors, recover debt and prevent money laundering and fraud, to manage your accounts. For these purposes we or those other organisations may make further searches. The CRAs and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud. We may also use information about you to carry out market research. The identities of the CRAs and the ways in which they use and share personal information is explained in more detail at ▇▇▇▇://▇▇▇.▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇/▇ or ▇▇▇ ▇▇▇/index.html. If you want to have details of the CRAs from whom we obtain and to whom we pass information about you, please write to us, marking your letter for the attention of the Regulated Business Unit, at ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇. You have a legal right to these details«MaintenanceText» HIRER DECLARATION By signing this agreement, you confirm that: 1. You have read clause 11.1 of the terms of this agreement and are aware that any supplier, dealer or broker who has been involved in arranging this agreement has no authority to act for us or make any representation about the vehicle or this agreement which is binding upon us; 2. You have read the section beginning ‘Additional Pre-Contract Information’ in the Pre-Contract Information document and wish the vehicle to be delivered before the cancellation period has expired. You understand that you will have to pay for your use of the vehicle during the cancellation period; 3. You have provided us with all relevant information about you prior to signing this agreement. The information given by you when applying to enter into this agreement is correct; 4. You can afford to make payments required under the agreement and know of no reason why your ability to afford payments would change throughout the duration of the agreement; 5. You have arranged insurance for the vehicle under clause 7 before you signed this agreement; 6. At the time of signature, pages setting out the terms and conditions relating to this agreement are attached to these first [3] pages; 7. You have read and agree to the data protection information set out above and in clause 14 of the Terms of this agreement and that you consent to the activities described; 8. You have been given the Pre-Contract Information document and a right to receive a complete copy of this agreement; and 9. You confirm that you are signing this agreement as; a) a partner in a partnership of three partners or less (other than a Limited Liability Partnership); or b) a sole trader; or c) an individual. VAT All payments are inclusive of VAT and may be varied if the information we hold about rate of VAT changes. This is not a VAT invoice. We will send you a VAT invoice for each payment shown above and if you apply to us there is any change in writing and marking your letter for VAT the attention of invoices will show the Director of Legal Services, at ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇ changed hire charges or by email to _▇▇-▇▇▇▇▇@▇▇▇▇▇▇▇▇services charges.▇▇▇. Our full privacy policy is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇.▇▇/▇▇▇▇▇▇▇-▇▇▇▇▇▇