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Agreement no. 2201525678.S00
PRE-CONTRACT CREDIT INFORMATION
1. Contact details
Creditor: RCI Financial Services Limited
Address: Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, WD3 9YS
Credit intermediary: Smiths Nissan Peterborough
Address: Sturrock Way . Bretton Way Peterborough Cambridgeshire PE3 8YL
2. Key features of the credit product
The type of credit: Hire Purchase Agreement regulated by the Consumer Credit Act 1974
The total amount of credit: £15,832.00
This means the amount of credit to be provided under
the proposed credit agreement or the credit limit.
How and when credit We will pay the Amount of Credit to the credit intermediary on the later of (1) the day
would be provided: the credit agreement is made and (2) the day the Goods are made available to you to
take delivery.
The duration of the credit agreement: 37 months
Repayments: Goods
1 repayment(s) of £86.95 (made up of the first instalment of £86.95 and any finance
facility fee which is payable). You must then pay 34 monthly repayment(s) of £86.95,
followed by 1 monthly repayment(s) of £87.00, followed by 1 Final repayment of
£15514.16.
The total amount you will have to pay. £28,744.41
This means the amount you have borrowed plus interest
and other costs
Nissan Finance is a trading style of RCI Financial Services Limited.
RCI Financial Services Limited, Registered in England and Wales (No. 03302462).
Registered office: Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, WD3 9YS.
RCI Financial Services Limited is authorised and regulated by the Financial Conduct Authority
“Nissan” is a registered trade mark of Nissan Motor Co. Ltd used under licence.
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The proposed credit will be granted in the Form of a
deferred payment for goods or Service.
Description of goods/services/land (as applicable) Goods
Model: NISSAN JUKE HATCHBACK 1.6 Hybrid N-Connecta 5dr Auto
Registration Number:
Vehicle identification no:
Starting mileage: 0
Annual mileage: 6000
Goods: £ 25,932.00
Cash price Total: £ 25,932.00
3. Costs of the credit
The rates of interest which apply to the credit agreement 5.99% per annum fixed
Annual Percentage Rate of Charge (APR) 5.99% APR
This is the total cost expressed as an annual
percentage of the total amount of credit.
The APR is there to help you compare different offers
Related costs
Charge for using a specific payment method. The following administration fees may apply to payments you make which are not
Any other costs deriving from the credit agreement. made by direct debit:
(i) credit card – 0% of the amount paid;
(ii) debit card - £0.00; and
(iii) cheque - £5.00.
In certain situations, you may have to pay the following:
(i) £0.00; - Finance Facility Fee
(ii) £0.00; - Option to Purchase Fee (inc VAT)
(iii)£25.00 (inc VAT) if you wish to change the registration number of the Goods;
(iv) the cost of any repairs necessary to put the Goods in good repair and
condition if you have failed to keep the goods properly maintained and in
good repair and condition (subject to reasonable fair wear and tear);
(v) an Excess Mileage Charge of £0.08 per mile (inc VAT) where you exceed
any applicable Annual Mileage Allowance;
(vi) a collection fee of £100.00 (inc VAT) if you are unable to return the Goods to
us.
The following charges will be applied for missing items:
(i) £50.00 - MOT certificate
(ii) £75.00 - V5 registration document
(iii) £30.00 - Service book
(iv) £210.00 for each missed service
(v) The actual cost of replacement of the spare wheel, tools, master key, key
remote fob, and all accessories as originally supplied.
Conditions under which the above charges can be We may vary the charges above if our costs in providing the services to which they
changed. relate increase. If they do, we will notify you on the giving of at least 30 days' notice.
You may also be required to pay our reasonable costs that we incur, including the
costs that we pay to a third party for enforcement of our rights under the credit
agreement, for the repayment of the money you owe us, including, without limitation,
legal costs and expenses (including court action), auction fees/storage fees/insurance
fees and agent’s fees for tracing you, the Goods and/or collecting the Goods.
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Costs in the case of late payments. If you fail to make a payment on its due date, you must pay to us interest on the
overdue payment until you do pay it, at the contractual interest rate shown above. You
will pay us for reasonable costs that we incur, including costs that we pay to a third
party, for enforcement of our rights under this Agreement for the repayment of the
money you owe us including without limitation, legal costs and expenses (including
court action), auction fees, storage fees, insurance fees and agent’s fees for tracing
you, the Goods and/or collecting the Goods. In addition, you must pay our current
default charges as follows (i) £12.00 for each letter chasing payment of arrears (ii)
£10.00 for each telephone call we make chasing payment (iii) £10.00 for each rejected
direct debit / returned unpaid or represented cheque.
Consequences of missing payments. Missing payments could have severe consequences. Including our taking legal action
against you which may include a claim to repossess the goods and/or the obtaining of
a charging order against your home or similar proceedings. It may make it more difficult
for you to obtain credit in the future due to entries on your record held at the credit
reference agencies.
4. Other important legal aspects
Right of withdrawal. You have a right to withdraw from this Agreement without having to give us a reason.
The right to withdraw starts on the day this Agreement is made and ends on the expiry
of 14 days beginning with the date after that day.
Early repayment. You have the right to repay the credit early at any time in full or partially.
Consultation with a Credit Reference If we decide not to proceed with a prospective regulated consumer credit agreement on
Agency. the basis of information from a credit reference agency we must, when informing you of
the decision, inform you that it has been reached on the basis of information from a
credit reference agency and the particulars of that agency.
Right to a draft credit agreement. You have the right, upon request, to obtain a copy of the draft credit agreement free of
charge, unless we are unwilling at the time of the request to proceed to the conclusion
of the credit agreement
The period of time during which the This information is valid from 17 June 2023 until 16 July 2023
Creditor is bound by the pre-contractual
information.
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