As a result of the Financial Services (Distance Marketing) Regulations 2004 you have the right to cancel any credit agreement that is completed by means of distance communication.

The loan you have arranged with Creation Consumer Finance through Peter Tyson - Home DJ is an agreement completed solely by means of distance communication and the cancellation rights therefore apply to this loan.

The cancellation period will only commence once you have signed, dated and returned the agreement to Peter Tyson - Home DJ You will then have the right to cancel this agreement for a period of 14 days from the day after the agreement is made by Peter Tyson - Home DJ on behalf of Creation Consumer Finance.

Should you wish to exercise your right to cancel the agreement during the 14-day period, please advise Creation Consumer Finance of your request to cancel the agreement by writing to:

Creation Consumer Finance
6th Floor, Royston House
34 Upper Queen Street
Belfast
BT1 6FD

Should you have any queries please do not hesitate to call Creation Consumer Finance Customer Services on

Telephone: 0870 1780148 Fax: 02890 260918
6 the Floor, Royston House, 34 Upper Queen Street, Belfast, BT1 6FD

1. By this agreement made between you, the Customer named above, and ourselves, we Creation Consumer Finance, agree to lend you and you agree to borrow from us the Total amount of Credit less any deposit on the terms set out in both the Key Financial Information and Other Financial Information above and our terms and conditions detailed herein.

2. (a) You shall on the signing of this agreement pay the deposit(s) (if any) and you shall pay us the instalments on the dates specified in the Key Financial Information. Punctual time of payment, and compliance with your other obligations, is of the essence of this agreement. Unless otherwise specified in this agreement, all instalments must be paid by direct debit. You shall pay the administration fee specified in the Other Financial Information (if any) in full as part of your first instalment and / or your final instalment.

3. (a) If you fail to make any payment under this agreement by its due date, then, in addition to our other rights, we may charge default interest from the due date until the date of actual payment at the rate of interest specified in the Other Financial Information.
(b) During the currency of this agreement, you must not suffer any bankruptcy petition to be presented against you, or execution to be levied against any of your assets, nor shall you enter into any arrangement or composition with your creditors without our express consent.

4. The balance of the Total amount payable (less any applicable rebate) together with all accrued interest (if any) and other sums payable under this agreement (if any) shall be immediately due and payable after expiry of proper notice if:
(a) You fail to pay any instalment(s) by the due date;
(b) You breach any terms of this agreement;
(c) Any information provided by you before entering into this agreement proves materially incorrect.

5. This agreement shall be dated on and become effective and binding on the parties from the date of our signature.

6. You shall notify us in writing of any change in your address as specified in the application no later than 5 days after such change.

7. If we grant any time or other indulgence to you or to delay enforcing our rights this shall not amount to a waiver by us of our rights or of any breach of this agreement by you and shall not prevent us thereafter from relying upon our strict rights under this agreement.

8. Any payments made by post to us are at your own risk. This clause does not amount to a waiver of your obligation to pay by direct debit where you are so obliged by this agreement.

9. Any notice or demand under this agreement shall be deemed to be properly served by us if delivered to or sent to you by pre-paid post addressed to you at your last known address. Any notice served by you on us or our agents shall be delivered or sent by pre-paid post to our address set out in Parties to the Agreement or as specified in the relevant prescribed form.

10. We may assign or securitise any of our rights under this agreement and/or any amounts owing under this agreement without notice to you (where upon references herein to we, us and our shall to the extent of the assignment be read and construed as a reference to the assignee).

11. Where this agreement is used to purchase optional payment protection insurance you agree and acknowledge that:
(a) We or the supplier of the goods or services the purchase of which is financed by this agreement, shall be entitled to supply the insurer or insurance broker any information concerning you which is relevant to the insurance or which the insurer or insurance broker may ask for and you hereby authorise us to approach any person to obtain this information;
(b) If monies become payable by the insurer we shall be entitled to receive these from the insurer on your behalf and to give a good discharge thereof. We shall be entitled to keep the monies paid by the insurer as satisfaction of payment of any instalments due and/or other payments payable and due under this agreement;
(c) In the event of early settlement of this agreement, the insurance will immediately and without notice terminate. Details of the amount of premium refund due are provided in the policy information given to you before conclusion of the contract of insurance;
(d) Life assurance cover only is effective from the date of the agreement; all other insurance cover is not effective until your payments under this agreement commence;
(e) You agree to the payment protection premium specified in the Other Financial Information and we are authorised to pay the Payment Protection premium to the relevant insurers.

12. Without prejudice to any other rights or remedies available to you under this agreement, we shall be entitled and you hereby authorise us, to deduct the amount of any sum due and owing by you to us, from any amount then due from us (or any member of our group of companies) to you in respect of salary or voluntary selective severance payment, to the extent that this remedy is available in law.

13. You irrevocably authorise us to pay the Amount of Credit (Goods) on your behalf directly to the supplier.

14. (a) In considering your application for a loan we will search the files of one or more credit reference agencies. They will add to your file, details of our search and your application and this will be seen by other search organisations. We will use a credit scoring or other automated decision making system together with credit reference agency searches when assessing your application. We will make use of information relating to you and to individuals linked to you by a financial association. We will also add to your file at the credit reference agency details of this agreement, the payments you make under it, any default or failure to keep to its terms (and any changes of address you fail to tell us about when an instalment is overdue). It is important that you give us accurate information. We will check your details and those of your financial associates with the Fraud Prevention Agencies and if you give us false or inaccurate information and we suspect fraud we will record this;
(b) Your information may be shared with Creation Consumer Finance and affiliated companies or anyone who introduced you to us including any insurers of your obligations under this agreement and may be used by us and them to manage the provision of products and services requested by you now or in the future; help make decisions about credit and credit related services such as insurance for you and members of your household; trace debtors, recover debt, prevent money laundering and fraud, allow other products or services be offered which may be of interest to you or appropriate to your needs; and carry out research. We or they may send you, telephone you or email you about services and products and/or services of carefully selected third parties, which we feel from the
information we hold about you may interest you. If you would prefer not to receive such information please write to us at Creation Consumer Finance Marketing Department, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. We retain your information for up to 6 years for the purpose of sending you such information;
(c) For the purposes set out in clauses 14 (a) and (b) we or the other organisations referred to in those clauses may make further searches or checks with credit reference agencies and fraud prevention agencies. Although these searches will be added to your record they will not be shared with others. The credit reference agencies and fraud prevention agencies will also use the records for statistical analysis about credit insurance and fraud. Please telephone us on 0870 1780148 if you want to leave details of those credit reference agencies and fraud prevention agencies from whom we can obtain and to whom we pass information about you. You have a right also to receive a copy of the information we hold about you if you apply to us in writing and a fee will be payable.

15. Telephone calls between you and us in connection with this agreement may be monitored or recorded for the purposes of maintaining and improving our service standards or for training our staff.

16. You hereby acknowledge that prior to making this agreement you are made aware and understand the cash price of the goods and/or services.

17. This agreement shall be covered by and construed in accordance with English law.