Consumer Credit Act 1995

THIRD SCHEDULE

Forms of Notice to be Included in Agreements

Section 36 and 129.

Part I

Form of Notice to be included on front page of a credit agreement.

IMPORTANT INFORMATION

1. Amount of credit advanced

:  _____________________

2. Period of Agreement

:  _____________________

3. Number of Repayment Instalments

:  _____________________

4. Amount of Each Instalment

:  _____________________

5. Total Amount Repayable

:  _____________________

6. Cost of this credit (5 minus 1)

:  _____________________

7. Annual Percentage Rate of Charge

:  _____________________

N.B. You may withdraw from this agreement at any time within 10 days of receiving this agreement or a copy of it.

Part II

Form of Notice to be included on front page of a housing loan.

IMPORTANT INFORMATION

1. Amount of credit advanced

:  _____________________

2. Period of Agreement

:  _____________________

3. Number of Repayment Instalments

:  _____________________

4. Amount of Each Instalment*

:  _____________________

5. Total Amount Repayable*

: F225[€]____________________

6. Cost of this credit* (5 minus 1)

:  _____________________

7. APR**

:  ___________________%

8. Amount of endowment premium* (if applicable) :

: F225[€]____________________

9. Amount of mortgage protection premium* (if applicable) :

: F225[€]____________________

10. Effect on amount of instalment of 1% increase in first year in interest rate***

:  _____________________

*as calculated at the time of making agreement.

**annual percentage rate of charge.

***this is the amount by which the instalment repayment will change in the event of a 1% increase in the interest rate on which the above calculations are based.

Annotations

Amendments:

F225

Substituted (14.11.2022) by Consumer Credit (Amendment) Act 2022 (13/2022), s. 15(1) and sch. 1 part 1 item 42, S.I. No. 575 of 2022.

Modifications (not altering text):

C15

Part I superseded (13.05.1996) by Consumer Credit Act, 1995 (Section 36) Regulations 1996 (S.I. No. 128 of 1996), reg. 2 and sch.

2. The forms of notice set out in Parts I and II in the Schedule to these Regulations shall be in lieu of the form of notice set out in Part 1 of the Third Schedule to the Consumer Credit Act, 1995 (No. 24 of 1995).

C16

Part II superseded (13.05.1996) by Consumer Credit Act, 1995 (Section 129) Regulations 1996 (S.I. No. 132 of 1996), reg. 2 and sch.

2. The form of notice set out in the Schedule to these Regulations shall be in lieu of the form of notice set out in Part II of the Third Schedule to the Consumer Credit Act, 1995 (No. 24 of 1995).