Other key information. 9.1 You may have a right to xxx the supplier, us, or both of us, if you receive unsatisfactory goods or services costing more than £100 and less than £30,000 and you paid for them using credit provided under this agreement.
9.2 We will open a credit card account for you and give you and any additional cardholder a card each, which will arrive a few days later. The credit is available by using your card and PIN or signature, or other details including your card number. You may also ask us to provide cheques as part of your account.
9.3 If you have a complaint about anything to do with this agreement, please write to, Sainsbury's Bank, Customer Relations, Xxxxxx Xxxxx, Xxxxxx Xxx, Xxxxxx Xxxxxxxx, Xxxxxx, XX00 0XX or call us on 00000 000000. If you are unable to resolve any complaint you may have against us after taking the above steps you may apply to have your complaint resolved by the Financial Ombudsman Service.
9.4 The Financial Conduct Authority, 25 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx X00 0XX is the supervisory authority under the Consumer Credit Xxx 0000. This is a Credit Agreement regulated by the Consumer Credit Xxx 0000. Sign it only if you want to be legally bound by its terms. Signature of Customer Date of Signature Signed on behalf of Sainsbury's Bank plc Date of Signature The general credit card conditions also form part of this Agreement. By signing above you agree:-
a) that the details provided by you in your application are correct;
b) that your data may be used as set out in the Data Protection Declaration on the application form; and
c) to be bound by the General Credit Card Conditions. 10 Words with special meanings We', 'us' and 'our' mean Sainsbury's Bank plc and any organisation that takes over the benefits of this agreement. The words 'you', 'your' and 'yours' refer to the person who entered into this agreement with us. The following words have a special meaning. Balance transfer - any amount we allow you to transfer to or from another UK account. Card - any credit card that we give you or any additional cardholder to use with your account. Cash advance – cash obtained by using the card or money transfers, finance payments or gambling transactions made with the card (including all ATM withdrawals, but excluding the purchase of traveller's cheques and/or foreign currency). Cheque - a cheque which we send you to draw money from your account. Default sum - an amount (other than interest) payable by you under this agreement because ...
Other key information. 9.1 If you receive unsatisfactory goods or services costing over £100, but not more than £30,000 for a single item and you paid for them directly using credit provided under this agreement, you may have the right to make a claim against the supplier, us, or both. This protection will not apply for cash withdrawals, money transfers or if you use your card to fund an account with a third party provider (like PayPal) and then pay for goods or services with that account.
9.2 We will open your account a few days before you and any additional cardholders get your credit card(s). You can use your card or card details (including your card number) to make purchases and cash withdrawals or ask us to make balance transfers or money transfers.
9.3 We do everything we can to provide you with the service you want and expect, but we know sometimes things go wrong. If you have a complaint, please call us on 00000 00 00 00. Alternatively you can complete the online form available in the Contact Us section of our website (xxxxxxxxxxxxxx.xx.xx) or write to us at; Customer Relations, Sainsbury’s Bank, PO Box 4952, Worthing, BN11 9YW A copy of our complaints handling procedure is available on request and by visiting our website. If you’re unhappy with our final response to your complaint, you can ask the Financial Ombudsman Service for an independent review. The Ombudsman offers a free independent service, but before they look at your complaint, they’ll ask you to give us the opportunity to put things right for you. Details of how to contact the Financial Ombudsman are below: Post - Financial Ombudsman Service, Exchange Tower, London, E14 9SR Telephone - 0000 000 0000 or 0000 000 0000 Email - xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx Website -xxxxxxxxx-xxxxxxxxx.xxx.xx You may also use the Online Dispute Resolution (ODR) platform if you are an EU resident and you purchased this product or service online or by telephone. You can access and submit your complaint online through the ODR platform at this address: xxxx://xx.xxxxxx.xx/odr. You will need our name (Sainsbury’s Bank), our email address (XXXxxxxxxx.Xxxxxxxxx@xxxxxxxxxxxxxx.xx.xx), our website address (xxxxxxxxxxxxxx.xx.xx) and our geographic location (United Kingdom). The platform will then send your complaint to the Financial Ombudsman Service for independent review, so it may be quicker to contact the Financial Ombudsman Service directly.
9.4 The Financial Conduct Authority, 00 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx...
Other key information. During this agreement, you may request a copy of this agreement at any time.
Other key information. 10.1. If You have a complaint about anything to do with this Agreement, please write to Bank of China (UK) Limited, Xxxx Xxxxxx, 0 Xxxxxxxx, Xxxxxx XX0X 0XX or call +(00) 00000000000. If We are unable to resolve any complaint, You may apply to have Your complaint resolved by the Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx, X00 0XX. Telephone: 0000 000 0 000. The Financial Conduct Authority of 00 Xxx Xxxxx Xxxxxxxxx, Xxxxxx Xxxxx, Xxxxxx, X00 0XX is the supervisory authority for consumer credit agreements.
Other key information. 11.1 If You have a complaint in relation with this Agreement and any aspect of our services related this product, please write to Bank of China (UK) Limited, Card Xxxxxx, 0 Xxxxxxxx, Xxxxxx XX0X 0XX or call +(00) 00000000000. If We are unable to resolve any complaint and You are not a business customer, You can apply to have Your complaint resolved by the Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Telephone: 0000 000 0 000 (free on mobile phones and landlines), or 0300 123 9 123 or +00 00 0000 0000 if calling from abroad or email xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx. If You are a business customer, You may have the right to refer Your complaint to the Financial Ombudsman Service.
11.2 The Financial Conduct Authority of 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX is the supervisory authority for consumer credit agreements. This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if You want to be legally bound by its terms. Signed for and on behalf of Bank of China (UK) Limited: -------------------------------------------------------------------------- .
Other key information. 10.1 We will open your account a few days before you get your Card. The credit is available by using your Card and Security Details. We may make Cheques, Balance Transfers or other Promotional Transactions available on your account – if we do, we will tell you the basis on which you can make them.
10.2 Missing payments could have severe consequences including making credit more difficult to obtain. We may take legal action against you if payments are not made. If that action is successful we may apply to enforce that judgment in a number of ways including getting a charging order against your home which means that, if your home is sold, the amount you owe us can be paid out of the proceeds of sale.
10.3 You may have the right to sue the supplier, us, or both of us, if you receive unsatisfactory goods or services costing more than £100 and less than £30,000 and you paid for them using credit provided under this agreement.
10.4 If you have a complaint about anything to do with this agreement, please write to Customer Services, Lloyds Banking Group, Customer Relations, BX1 1LT or call us on 0000 000 0000. If you are unable to resolve any complaint you may have against us after contacting our Customer Service Department you may apply to have your complaint resolved by the Financial Ombudsman Service. Credit sold by Lloyds TSB Bank plc is subject to the compulsory jurisdiction of the Financial Ombudsman Service.
10.5 The Office of Fair Trading of Fleetbank House, 0-0 Xxxxxxxxx Xxxxxx, Xxxxxx, XX0X 0XX is the supervisory authority under the Consumer Credit Act 1974.
Other key information. 11.1 If You have a complaint about anything to do with this Agreement, please write to Bank of China (UK) Limited, Xxxx Xxxxxx, 0 Xxxxxxxx, Xxxxxx XX0X 0XX or call +(00) 00000000000. If We are unable to resolve any complaint and You are not a business customer, You can apply to have Your complaint resolved by the Financial Ombudsman Service, Xxxxxxxx Xxxxx, Xxxxxx, X00 0XX. Telephone: 0000 000 0 000 (free on mobile phones and landlines), or 0300 123 9 123 or +00 00 0000 0000 if calling from abroad.. If You are a business customer, You may have the right to refer Your complaint to the Financial Ombudsman Service.
11.2 The Financial Conduct Authority of 00 Xxxxxxxxx Xxxxxx, Xxxxxx X00 0XX is the supervisory authority for consumer credit agreements.
Other key information. The Initial Unpaid Balance (the amount you owe as at the end of the Start Date) is: NZ$LoanTotalloanamount Fees already paid (these are the fees that you have already paid): NZ$CreditfeesApplicationfee • Application fee: We charge this fee for our costs in considering, processing and Fees to be deducted from the amount advanced to you on the Start Date: • Establishment fee: We charge this fee for our costs in relation to the documentation and settlement of this loan. NZ$CreditfeesEstablishmentfee • Redocumentation Fee We charge this fee when any of the Loan Documents are required to be changed before the Start Date NZ$CreditfeesRedocumentationfee Amount (after the fees are deducted) to be advanced to you on the Start Date: NZ$!Undefined Bookmark, LOANAMOUN Subsequent Advances There are no subsequent advances to be made to you under this Agreement. We will make the Loan available to you in one lump sum on the Start Date. time specified. As at the Disclosure Date, the following loan fees and charges (which are not included in the initial unpaid balance) are, or may become, payable under, or in connection with, this Agreement. Default interest, default fees and full prepayment fees are set out in other sections below. We may change our fees and charges from time to time in accordance with clause 10.2(b) of the General Terms.
Other key information. The initial unpaid balance as at the end of the Start Date is: $[ ] Loan Amount $[ ] Less fees to be deducted from the advance on the Start Date $[ Balance of Monies to be available to you on the Start Date: NZ$[ ] There are no subsequent advances to you under this Agreement. We will make the Loan available to you in one lump sum on the Start Date.
Other key information. 10.1. If you have a compliant about anything to do with this Agreement, please write to Bank of China (UK) Limited, Card Centre, 1 Lothbury, London EC2R 7DB or call +(00) 00000000000. If we are unable to resolve any complaint, you may apply to have your complaint resolved by the Financial Ombudsman Service.
10.2. The Office of Fair Trade of Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX is the supervisory authority for consumer credit agreements. This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. Signed for and on behalf of Bank of China (UK) Limited: -------------------------------------------------------------------------- The General Credit Card Conditions form part of this Agreement. By signing above you agree to be bound by the General Credit Card Conditions. （受 1974 年消费者信用法令约束）
1. 协 议 双 方
2. 信 贷 额 度 3. 您 的 还 款
3.3. 还款将首先对产生最高利息的欠款进行偿还，然后将对由欠款产生的“其他费用”进行偿还。因此，您的还款将首先对在您对帐单上显示时间最长的欠款进行偿 还，依次到对还未显示在对帐单上的欠款进行偿还。
4.1. 本协议下普通卡的年度百分率（APR）为 19％（可浮动），金卡的年度百分率（APR）为 20.1 ％（可浮 动）。
4.2. 年度百分率（APR）的计算基于以下条件： 本协议双方均遵守本协议条例； 利率及其他费用未更改； 计算时使用标准利率而非其他特殊利率； 假设在本协议生效之初借款总额为£1200; 借款期为一年，并于自本协议生效后分 12 个月等额还款。 4.3. 假设在本协议生效之初借款总额为£1200 ，借款期为一年，并适用以下条款 4.4 所列利率，自本协议生效一个月后分 12 个月等额还款，则普通卡的总信贷费用为 £118.82 ，其中包括利息费用£108.82 以及年费£10 。金卡的总信贷费用为£146.62 ，其中包括利息£106.62 以及年费£40 。
4.4. 我们将会对交易产生的所有余额收取利息，普通卡月利率为 1.325％，相当于年利率 17.1％； 金卡月利率为 1％，相当于年利率 12.7％，利息按日计算。
4.5. 如果您没有在还款到期日前偿清全部所欠款项，我们会对所有交易产生的欠款余额（包括您需要支付的其他费用）收取利息，利息自交易日起计算。
4.6. 在计算年度百分率（APR）时，我们没有将利率或各种费用的变化计算在内。我们可能会随时更改利率及费用并通知您更改情况。
5.1. 我们会对每笔您在英国境内或者任何我行网点柜台办理的提取现金交易收取 2％的处理费，以及£2 英镑的固定手续费。 5.2. 我们会对每笔您在英国境外办理的提取现金交易收取 2％的处理费，以及£3 英镑的固定手续费。
5.3. 如果您是用外币进行的交易或以外币向我们还款，我们将向您收取 2％的兑换费用。
5.4. 普通卡主卡年费为£10 镑，金卡主卡年费为£40 镑。普通卡附属卡年费为£5 镑，金卡附属卡年费为£20 镑。 5.5. 如有任何支票或自动还款被退票或拒付，我们保留向您收取£25 管理费的权利用以支付我们由此而产生的操作费用。
