A Car Finance Agreement is essential when providing regulated consumer credit for vehicle purchases in England and Wales. It ensures compliance with the Consumer Credit Act 1974 and FCA requirements while protecting both the finance provider and customer. The agreement covers crucial aspects such as payment terms, interest rates, vehicle details, maintenance obligations, and termination rights. It's particularly important for establishing clear financial obligations and ownership arrangements until the finance is fully repaid.
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1. Parties: Details of the finance provider and the customer
2. Background: Context of the agreement and basic transaction details
3. Definitions: Key terms used throughout the agreement
4. Vehicle Details: Specific information about the financed vehicle
5. Financial Terms: Payment amounts, interest rates, and payment schedule
6. Customer Obligations: Customer responsibilities including maintenance and insurance
7. Termination Rights: Circumstances and processes for ending the agreement
8. Default Provisions: Consequences of missing payments or breaching terms
1. Guaranteed Future Value: For PCP agreements only - details of final balloon payment
2. Voluntary Termination: Rights under Section 99 of Consumer Credit Act for regulated consumer agreements
3. Insurance Requirements: Detailed insurance obligations when specific insurance requirements exist
1. Payment Schedule: Detailed breakdown of all payments including dates
2. Vehicle Specification: Detailed description of vehicle including registration and conditions
3. Pre-Contract Information: Standard European Consumer Credit Information (SECCI)
4. Declaration and Signatures: Formal declarations and signature blocks
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