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Implications of non-payment
What are the Implications of late payment?
The implications of late payment vary by lender. Typically a customer will be charged a late payment fee of £15-£30 and will accrue interest on the outstanding balance. Often the lender will make further attempts to collect money owed from the customer's debit card either in one payment or in several amounts on a continuous basis. We work with a number of loan lenders and it is important that a customer reads the terms and conditions of the lender they take a loan with. If a customer is late paying back their loan it may affect their credit rating and their ability to obtain credit in the future.
What are the Implications of non-payment?
When a monthly payment is missed our lenders will charge a fee of £15 when continually missed the normal practise for our lenders to pass customers to a third party debt collector in the event of non-payment. If a customer does not pay back their loan it may affect their credit rating and their ability to obtain credit in the future.
What is your code of practice and policy on responsible lending?
We work with a carefully selected panel of loan lenders who all abide to an ethical code of practise and operate responsible lending. Our preference is for a lender to be a member of a trade body association. The code of practise and policy on responsible lending is available from all lenders for the customer's information. We also will disclose all tax implications on application.
A loan will not be automatically renewed unless specifically stipulated by the lender. You will need to discuss this with your lender as soon as you are aware that you will not be able to repay the loan. If they agree to roll your loan over, you will typically only be required to repay the interest. Extensions, partial payment and early payoff requests must normally be received at least three working days before you are due to repay the loan. Our many lenders have varying renewal policies and terms and conditions. Please be aware that renewal may be automatic, depending on the lender you choose. It is important to read renewal policies of the lender before accepting a loan.
If you are having problems making a payment please contact the lender directly. If you default on your loan without getting in touch, the lender will endeavour to contact you by phone, email and SMS. As part of the collection process and in line with the terms of your loan agreement the lender is likely to utilise the Continuous Payment Authority to continue to attempt payment from your card up to 90 days past your due date. Should the situation remain unresolved the lender has the right to pass your details onto a third party collections agencies. It is important that you know that companies cannot force you to repay more than you can comfortably afford each month and if you make a reduced payment, companies should not refuse it.
As a condition of extending credit, some lenders you may be matched with will run a credit check from a major credit reporting bureau. Please be aware that in some cases of non/late payment you may be reported to a credit rating agency which could negatively affect your credit score/rating.