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The Consumer Credit (Agreements) Regulations 2010
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- UK Statutory Instruments
- 2010 No. 1014
- SCHEDULE 3
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The Consumer Credit (Agreements) Regulations 2010, SCHEDULE 3 is up to date with all changes known to be in force on or before 03 August 2024. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
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Changes and effects yet to be applied to Schedule 3:
- Regulations revoked by 2023 c. 29 Sch. 1 Pt. 2
Regulation 6
SCHEDULE 3U.K.NOTICE TO BE CONTAINED IN DOCUMENTS EMBODYING A COMBINED CONSUMER CREDIT AGREEMENT AND PAWN-RECEIPT
This schedule has no associated Explanatory Memorandum
NOTICE TO DEBTOR
IMPORTANT – YOU SHOULD READ THIS CAREFULLY
Right to Redeem Articles
If you hand in this agreement (which is also your pawn receipt) and pay the amount you owe, you may redeem the article(s) in pawn at any time within 6 months of the date of this agreement or any longer time agreed with the creditor (“the redemption period”).
IF YOU DO NOT REDEEM THE ARTICLE(S) ON OR BEFORE(1) YOU MAY LOSE YOUR RIGHT TO REDEEM IT (THEM).
Loss of Receipt
If you lose your receipt you may provide either a statutory declaration or, if the credit (or credit limit) is not more than £x (2) and the creditor agrees, a signed statement instead. The creditor may provide the form to be used and may charge for doing so.
Unredeemed Articles
An article not redeemed within the redemption period becomes the creditor's property if the credit (or credit limit) is not more than £x (3) and the redemption period is 6 months. In any other case it may be sold by the creditor, but it continues to be redeemable until it is sold. Interest is payable until the actual date of redemption. Where the credit (or credit limit) is more than £x (4) the creditor must give you 14 days notice of his intention to sell. When an article has been sold you will receive information about the sale. If the proceeds (less expenses) are more that the amount that would have been payable to redeem the article on the date of the sale you will be entitled to receive the extra amount. If the proceeds are less than the amount you will owe the creditor the shortfall.
Your goods will not be insured by the creditor while they are in pawn.(5)
(1) Creditor to insert the date at the end of the redemption period.
(2) Creditor to insert the amount specified in section 118(1)(b) of the Act.
(3) Creditor to insert the amount specified in section 120(1)(a) of the Act.
(4) Creditor to insert the amount specified in the Consumer Credit (Realisation of Pawn) Regulations 1983 (S.I. 1983/1568).
(5) Creditor to omit this paragraph if inapplicable.
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