12. Creditors

• Members must provide creditors with clear information about their terms and conditions and processes, as requested.

• Members must take all steps appropriate in order to provide creditors with accurate details about their customers’ income and expenditure to allow the creditor to make an informed judgement about offers of repayment.

• Members must provide creditors with clear payment proposals.

• If a client withdraws, from the repayment programme in writing, members must inform the relevant creditors, in writing within seven working days of receipt of the withdrawal.