This Regulated Hire Purchase Agreement template is designed for use in Ireland by financial institutions and retailers offering finance options to consumers. It complies with the Consumer Credit Act 1995 and subsequent amendments, incorporating all mandatory disclosures and statutory protections required under Irish law. The agreement is typically used for significant consumer purchases where the buyer wishes to spread the cost over time, with the finance company retaining ownership until all payments are made. It includes comprehensive details about the financed goods, payment terms, APR, total cost of credit, and the hirer's rights, including the right to early termination and cooling-off period. This template ensures compliance with Irish consumer protection regulations while providing a clear framework for both the finance provider and the consumer.
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1. Parties: Identification of the finance company (owner) and the hirer (customer), including full legal names and addresses
2. Background: Brief context explaining the purpose of the agreement and identifying the goods being financed
3. Definitions: Definitions of key terms used throughout the agreement, including statutory definitions required by Irish law
4. The Goods: Detailed description of the goods being financed, including make, model, serial numbers, and specifications
5. Financial Terms: Details of the purchase price, deposit, amount financed, interest rate, APR, total cost of credit, and payment obligations
6. Payment Terms: Payment schedule, method of payment, and consequences of late or missed payments
7. Title and Risk: Provisions regarding ownership of the goods, transfer of title, and risk allocation
8. Customer Obligations: Customer's responsibilities regarding maintenance, insurance, and use of the goods
9. Termination: Circumstances under which the agreement can be terminated and the consequences of termination
10. Early Settlement: Customer's right to settle the agreement early and calculation of early settlement amounts
11. Protection and Remedies: Statutory rights and protections of the customer under Irish consumer law
12. General Provisions: Standard contractual provisions including notices, amendments, and governing law
1. Guarantee: Section required when a guarantor is involved in the agreement
2. Insurance Requirements: Detailed insurance obligations when specific insurance requirements apply beyond standard coverage
3. Import/Export: Required when goods may be taken outside Ireland
4. Maintenance Agreement: Used when a separate maintenance or service agreement is included with the hire purchase
5. Multiple Hirers: Additional provisions required when there are joint hirers
6. Special Conditions: Any special terms or conditions specific to particular types of goods or circumstances
1. Schedule 1 - Description of Goods: Detailed technical specifications and identification of the goods
2. Schedule 2 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest
3. Schedule 3 - Insurance Requirements: Specific insurance requirements and minimum coverage levels
4. Schedule 4 - Condition Report: Initial condition report of the goods at time of delivery
5. Schedule 5 - Early Settlement Calculation: Formula and examples for calculating early settlement figures
6. Appendix A - Standard Terms: Standard terms and conditions required by Irish consumer credit legislation
7. Appendix B - Statutory Notices: Mandatory warnings and notices required under Irish consumer law
8. Appendix C - Sepa Direct Debit Mandate: Direct debit authorization form if applicable
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