Terms & Conditions
CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
ATKINSON GROUP LTD.
Registered Office 78-82 The Moor
Sheffield S1 3LT Telephone 0114 276 8811
Registered in England number 342907
DETAILS OF ACCOUNT
We will notify you of your credit limit and may vary it at any time
PAYMENTS
The minimum payment due is £10 or 10% of the debit balance shown on your statement (whichever is the greater) or the full debit balance if less than £10. Payments are due monthly by the date shown on your statement.
INTEREST
The rate of interest is 1.87% per month APR 24.9%. The APR has been calculated on the basis that the rate of interest remains unchanged. We may vary the rate of interest at our discretion by giving you at least seven days notice of such variation.
YOUR RIGHT TO CANCEL
Once you have signed, you will have, for a short time a right to cancel this agreement. You can do this by sending a WRITTEN notice of cancellation within 7 days of receiving this copy to the Credit Sales Manager Atkinson Group Ltd, 78-82 The Moor Sheffield S1 3LT Telephone 0114 276 8811. If you cancel this agreement, any money you have paid, goods given in part exchange (or their value) and property given as security must be returned to you. You will not have to make any further payment.
If you already have any goods under the agreement, you should not use them and should keep them safe. (Legal action may be taken against you if you do not take proper care of them) You can wait for them to be collected from you and you need not hand them over unless you receive a written request. If you wish however, you may return the goods yourself.
IMPORTANT - YOU SHOULD READ THIS CAREFULLY - YOUR RIGHTS
The Consumer Credit Act 1974 covers this agreement and lays down certain requirements for your protection which must be satisfied when the agreement is made. If they are not, we cannot enforce the agreement against you without a Court Order.
The Act also gives you a number of rights. You have a right to settle this agreement at any time by paying off all amounts payable under this agreement.
If you would like to know about the protection and remedies provided under the Act, you should contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.
LOSS OR MISUSE OF THE CARD
If the card is lost, stolen or misused by someone who obtained it without your consent, you may be liable for up to £50 of any loss to Atkinson Group Ltd. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable for any losses to Atkinson Group Ltd. which take place after you have told us of the theft, etc. provided you confirm any oral message in writing within seven days.
Further terms and conditions will be sent with your application.