8. Contract Terms

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Contract terms and conditions should be fair, written in plain, intelligible language and easily legible, and must be as follows:-

  • Set out the nature of services being provided, the types of debts which are included, and not included in the programme.
  • All fees and Charges must be clearly explained.
  • Contract terms must specify a period within which payments received from customers will normally be disbursed to creditors.
  • Circumstances for withdrawal from a programme.
  • Compliance with the regulations regarding the cancellation rights of customers.
  • Not include any term which says or implies that there are no circumstances in which a customer is entitled to a refund.
  • Must not be prohibit customers from corresponding with, creditors or their agents.
  • Members must deal with all correspondence promptly, and must keep the customer informed of relevant communications.