Creditor
Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance, (Novuna Personal Finance, we, or us)
Address
2 Apex View, Leeds, West Yorkshire LS11 9BH
Telephone number(s)
0344 375 5500
Credit intermediary address
The supplier being, Naturalmat
Mordicus House, Odhams Wharf, Topsham, EX3 0PB
The rates of interest which apply to the credit agreement
0% per annum (fixed).
Annual Percentage Rate of Charge (APR)
This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers.
0% (fixed)
Any other costs deriving from the credit agreement.
£0
Costs in the case of late payments
Charges will be payable under this agreement in the following events:
-
Recalled Direct Debit Charge; £22
-
Returned or Recalled Cheques; £25
-
Issue of a Default Notice; £25
-
Letters sent to you as a result of a breach of your credit agreement; £25 (but no such charge shall be made in respect of any such letters sent to you after a Default Notice has been issued, until there are no outstanding arrears on your account, when the charge shall become chargeable again Notice is issued).
Charges may also be payable for reasons stated in clauses (7a) and (8b) of the Terms of Lending of the agreement. We may vary the charges payable under this agreement by giving you reasonable notice to reflect any variation to the cost and expenses to us in carrying out these activities.
Consequences of missing payments
Missing payments could have severe consequences and may result in legal proceedings being taken against you. This could include obtaining a Court Order for a charge on your home. We will add details of your default to your record with the credit reference agencies, which could also make it more difficult or more expensive for you to obtain credit.
Other important legal aspects regarding your rights
Right of withdrawal
You will have the right to withdraw from the agreement without giving any reason, for a period of 14 days beginning on the day after the day on which you receive a copy of the executed agreement.
Early repayment
You may repay the credit early at any time in full or part.
Consultation with a Credit Reference Agency
If we decide not to proceed with your credit application on the basis of information obtained from our credit reference agency, we will notify you of our decision and we will inform you that it has been reached on the basis of information held by our credit reference agency and we will provide you with details of which credit reference agency we used.
Right to a draft credit agreement
You have a right upon request to obtain a copy of the draft agreement free of charge. In the event your application is declined we will not provide you with a copy of the agreement.