French Consumer Code
In forceEuropean pre-contractual consumer credit information relating to overdrafts repayable within a period of more than one month and not more than three months
1. Identity and contact details of the lender/credit intermediary
Lender Address Telephone number (*) Email address (*) Fax number (*) Internet address (*) | [Identity] [Geographical address to be used by the borrower] |
Where applicable | |
Credit intermediary | [Identity] |
Address Telephone number (*) Email address (*) Fax number (*) Web address (*) | [Geographical address to be used by the borrower] |
2. Description of the main features of the credit
The type of credit |
The ceiling on the sums available |
The term of the credit agreement |
If applicable You may be asked to repay the full amount of the credit at any time. |
3. Cost of credit
The borrowing rate or, where applicable, the different lending rates that apply to the credit agreement | [Indicate the rate expressed in % : Specify the nature of the rate: fixed or variable (with the index or reference rate applicable to the initial borrowing rate) or reviewable-when the rate is reviewable, indicate the period of validity of the rate (or: rate in force on..) and the frequency of rate changes (or information to the effect that the rate will/may be changed during the term of the contract by decision of the lender)] |
Annual percentage rate of charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR enables you to compare different offers. | [Expressed as a %. Give here a representative example that mentions all the assumptions used to calculate the rate] |
If applicable | |
Fees Where applicable Conditions under which these costs may be modified | [Costs applicable from the conclusion of the credit agreement] |
Fees in the event of default | You will have to pay [.(applicable interest rate and, if applicable, default charges)] in the event of default. |
4. Other important legal aspects
End of credit agreement-termination | [The terms and conditions under which the credit agreement may be terminated] |
The creditor must, as part of the credit granting procedure, consult the National Register of Consumer Credit Repayment Incidents. | |
The period during which the creditor is bound by the pre-contractual obligations. | This information is valid from.. to... |
5. Where applicable: additional information in the case of distance selling of financial services within the meaning of article L. 222-1 of the Consumer Code
a) Information relating to the lender | |
Where applicable | |
The lender's representative in the Member State in which you reside Address Telephone number (*) Email address (*) Fax number (*) Internet address (*) | [Identity] [Geographical address to be used by the borrower] | Registration | [The register of companies in which the lender is entered and its registration number or equivalent means of identification in that register]. equivalent means of identification in that register] |
The supervisory authority | [The contact details of the authorities of the authorities responsible for supervising the activity subject to authorisation] |
b) Information relating to the credit agreement | |
Right of withdrawal You have fourteen calendar days in which to withdraw from the credit agreement.to the credit agreement. | Yes | Exercising the right of withdrawal | [Practical instructions for exercising the right of withdrawal indicating, among other things, the address to which notification must be sent by the borrower and the consequences of failure to exercise this right] |
The legislation on which the creditor relies to establish relations with you prior to the conclusion of the credit agreement | |
Clause concerning the legislation applicable to the credit agreement and/or the competent and/or the competent jurisdiction | [Mention the relevant clause here] |
Language regime | Information and contractual terms will be provided in [language]. With your consent, we intend to communicate in [language/languages] during the term of the credit agreement. |
c) Information relating to the right of recourse | |
Existence of out-of-court complaint and redress procedures, and how to access them | [Whether or not there are out-of-court complaint and redress procedures available to the consumer who is party to the distance contract and, if such procedures exist, how they can be accessed] |
(*) The information followed by this sign is optional for the creditor. Where applicable: where this is indicated, the creditor must complete the box if the information is relevant to the credit or delete the corresponding information or the entire line if the information is not relevant to the type of credit being considered. [Indications in square brackets]: these explanations are intended for the creditor and must be replaced by the corresponding information. | |
