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The OFT closed on 31 March 2014 and this website is no longer being updated. The OFT's work and responsibilities have passed to a number of different bodies. Read more.

Information sheets

The Consumer Credit Act 1974, as amended, requires the OFT to prepare and give general notice of information sheets to accompany arrears notices and default notices. Lenders are required (since 1 October 2008) to include a copy of the current information sheet with each relevant notice under the Act.

The information sheets are intended to help debtors and hirers who receive arrears notices or default notices under the Act, by providing information on key rights and responsibilities and where to go for help or advice.

PDF versions of the information sheets are available to download below. There are two PDFs for each sheet. One is for colour printing and the other for black-and-white printing. The PDFs are suitable for inkjet, laser (digital) or offset litho printing. Further instructions are set out in the General Notices.

Copies of the information sheets can be made available in alternative formats (large print, Braille or audio tape) on individual request by consumers or lenders.

Revised information sheets (edition 4/13) take effect from 11 April 2013. After that date, creditors should only use this edition. The relevant General Notice can be found in the lower section of this page. The revised sheets are:

English

Arrears information sheet - colour (90kb)
Arrears information sheet - mono (87kb)

Default information sheet - colour (200kb)
Default information sheet - mono (88kb)

Welsh

Arrears information sheet - colour (192kb)
Arrears information sheet - mono (190kb)

Default information sheet - colour (212kb)
Default information sheet - mono (264kb)

The Financial Conduct Authority (FCA) will take over regulation of consumer credit from the OFT in 2014.  Revised information sheets on arrears and default will be issued by the FCA on 1 January 2014 to take effect from 1 April 2014. After that date, creditors should only use these editions.Please see the FCA website for further information. 

General Notices on information sheets

The General Notices detailing the content and presentation of the information sheets are listed below in date order (most recent shown first):

 




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