Fillable App Form 0119 2 (Complete FS)

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App Form 0119 2 (Complete FS)

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Applicaon Pack
Second Mortgage
EQD38 Issue 9 14.01.19
2
3. Applicant 1
Applicaon Form
How much would you like to borrow £
Loan Purpose?
Secon 1
1. Loan Details
Full home address/Security address
Home telephone
2. Home Address
First names
Surname
Maiden name
Marital status
Date of birth
Previous address
if less than 3 years
Mobile number
Email address
Title
Occupaon
Please use notes secon
for further addresses
Employment status
Employer’s telephone
Time in job
Proof of income
Gross annual income
If less than 3 years in your current job please
provide previous 3 year employment details.
Occupaon
Employer’s name
Employer’s address
4. Applicant 2
First names
Surname
Maiden name
Marital status
Date of birth
Previous address
if less than 3 years
Mobile number
Title
Please use notes secon
for further addresses
Email address
Occupaon
Employment status
Employer’s name
Employer’s address
Employer’s telephone
Time in job
Yes No
Other income
Please Specify
Type of income
Dependents and Ages
Employer’s name
Employer’s address
Time in job
Are you a UK cizen or have permanent rights to reside?
/ /
/ /
dd
mm
yy
dd
mm
yy
/ /
Mortgage company
Mortgage balance £
Mortgage payment £
Mortgage type
Present arrears £
Missed payments in last 6 months
Do you have other secured loans?
If yes, which company is the loan with?
Repayment
Interest Only
Variable
Fixed
Capped
Discount
Loan balance 1 £
Monthly repayment 1 £
End date
/ /
Mortgage rate %
Loan balance 2 £
Monthly repayment 2 £
If you make a monthly contribuon to a repayment vehicle please
ensure this is included within the Income and Expenditure form
at Secon 4.
If your rst mortgage is Interest Only then please explain how
you intend to repay the capital balance at the end of your
mortgage term.
I/We are aware that following compleon of this secured loan Equinance will connue to hold the contact details provided and if necessary
use these to contact me/us during the servicing of the loan. This includes any work contact details. Should anything change I/we will nofy
Equinance immediately.”
/ /
/ /
3
6. Mortgage Details
Applicaon Form
Secon 1
5. Property Details
Current house value £
Purchase date
Purchase price £
Property type; semi, terraced, etc
If at; how many oors in the building?
Property construcon
Has the council ever owned the property?
If yes; did you purchase as a sing tenant?
Discount received £
Council value £
No. of bedrooms
4. Applicant 2
If less than 3 years in your current job please
provide previous 3 year employment details.
Occupaon
Time in job
Gross annual income
Proof of income
Dependents and Ages (if dierent from Applicant 1)
Yes
No
Other income
Please Specify
Type of income
Are you a UK cizen or have permanent rights to reside?
Employer’s name
Employer’s address
dd
mm
yy
dd
mm
yy
mm
yy
dd
mm
yy
Yes No
Yes No
Yes No
9. Non-Residency Informaon
Please take this as my/our wrien conrmaon that the following named individuals are no longer resident at the security address:
Please print names
7. Voters Roll Informaon
Yes No
(Please print names where appropriate)
Applicant 1
I do not appear on the Voters Roll at the above
secured address because:
Applicant 2
I do not appear on the Voters Roll at the above
secured address because:
Note for the following secons: If ‘Yes’ is cked, please complete the declaraon carefully. If ‘No’ is cked, please leave the secon blank and
move on to the next secon. Finally, please sign and date the Statement Declaraons at the end of Secon 1.
4
Applicaon Form
Secon 1
10. Aordability Once Benets Have Ceased
Please advise when your benets are likely to cease at their
current level
If your proposed loan term takes you beyond the point at which
your current benets cease, please state how you intend to
aord your monthly loan payments once this happens.
Date
11. Aordability Post Rerement
If your proposed loan term takes you past the normal state
age of rerement, please state how you intend to aord your
monthly loan payments at that me and for the remainder of
the term of the loan.
8. Residency Declaraon
Yes No
Please take this as my/our wrien conrmaon that the following named individuals also reside at the security address:
Name
Name
Name
Name
Age
Age
Age
Age
Date of birth
Date of birth
Date of birth
Date of birth
/ /
/ /
/ /
/ /
/ /
dd
mm
yy
dd
mm
yy
dd
mm
yy
dd
mm
yy
dd
mm
yy
Yes No
Applicant 1
Signed
16. Buildings Insurance
Please provide details of your current insurance cover in respect
of the property to be mortgaged. Note that the insurance must
cover its full re-instatement value. We will require our interest
noted on the policy as mortgagees.
Date
Applicant 2
Signed
Date
Yes No
Yes No
12. Exisng Mortgage Arrears (if any)
Please provide details here of the reasons for any arrears
on your main mortgage (or any exisng second mortgage)
over the past two years.
H a v e y o u e v e r :
13. Adverse Credit History
1. Had a County Court Judgment or any other Court Order for non-payment
of a debt made against you
2. Been refused a mortgage or credit or been declared bankrupt*
(*If YES, please provide Bankruptcy Discharge Cercate)
3. Entered into any voluntary arrangements with creditors
4. Been party to a mortgage where the property has been taken into possession, or
5. Faced a criminal convicon or have prosecuons pending in a Court of Law If YES
for any of the above please provide details:
5
Applicaon Form
Secon 1
15. Telegraphic Transfer Authority
17. Signature(s) for Statement Declaraons
I/We conrm that the informaon given in this applicaon is accurate to the best of
my/our knowledge and may be veried prior to the loan being advanced.
14. One and the Same
(Please print names where appropriate)
Applicant 1
I can conrm that I am one and the same person as:
Please print names
Applicant 2
I can conrm that I am one and the same person as:
Please print names
I/We aach evidence conrming this
I/We authorise £36.00 to be deducted from the loan advance
in respect of a telegraphic transfer fee to enable you to transfer
funds raised into my/our bank account.
Account Holder
Account Number
Sort Code / /
Sign and date here
Name and Address of Insurance Company
Policy Number
Renewal Date
Applicant 1 Applicant 2
Yes
No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
/ /
/ / / /
dd
mm
yy
dd
mm
yy
mm
yy
6
Leer of Disclosure
Secon 2
Broker Fee
Your broker will charge you a broker fee for their services,
as set out below. We understand that you have told your
broker that you wish this fee to be added to the loan amount.
Unless you now tell your broker or Equinance otherwise,
Equinance will pay the broker fee on your behalf and add the
fee amount to your loan.
If you do not want the broker fee to be added to the loan
amount please ck the appropriate box below.
Lender Fee
In addion, Equinance will charge you a lender fee as set out
below. This fee is to cover the legal and administrave costs of
processing your loan applicaon.
We understand that you have told your broker that you
wish this fee to be added to the loan amount. Unless
you now tell your broker or Equinance otherwise,
Equinance will add the lender fee amount to your loan.
If you do not want the lender fee to be added to the
loan amount please ck the appropriate box below.
Advice and Valuaon Fee
The broker may charge an advice or valuaon fee. If you
do not want the advice or lender fee to be added to the
loan amount please ck the appropriate boxes below.
Interest will be charged on the total loan amount,
including the broker, lender, advice and valuaon fees,
the monthly repayments will reect this.
Broker Fee
The broker fee is: £
Do you want this amount added to your loan?
Yes No
Lender Fee
The lender fee is: £
Do you want this amount added to your loan?
Yes No
Advice Fee
The advice fee is: £
Do you want this amount added to your loan?
Yes No
Valuaon Fee
The valuaon fee is: £
Do you want this amount added to your loan?
Yes No
By signing below you conrm that you understand:
1. The broker, lender, advice and valuaon fees will be added to
your loan amount unless you have opted to pay any of these
fees up front.
2. Interest will be charged on the broker, lender, advice and
valuaon fees where they are added to the amount borrowed
and this will increase the amount of interest you will pay over
the lifeme of your loan.
3. None of the fees will be rebated by us on early selement.
Applicant 1
Signed
Applicant 2
Signed
Date Date
Sign and date here
4. In signing this applicaon, I/we conrm having received adequate
explanaon about the product features and associated risks with
reference to the ESIS provided by the adviser.
5. (If applicable) For the purpose of loan consolidaon, I/we have
been explained and understand the consequences of securing any
unsecured debts including the potenal increase in overall costs
associated with increasing the period over which the secured loan
is to be repaid.
/ / / /
dd
mm
yy
mm
yy
7
Authority for Release of
Loan Informaon
Secon 3
Full Name(s) of Applicant(s)
Secured Property Address
To:
Please accept this as my/our wrien authority to release any
informaon requested by Equinance Limited concerning my
mortgage account at any me.
Could you please treat this request as a maer of urgency.
Yours faithfully
Signed
Re: Mortgage Account Number
Date
Sign and date here
Signed
Date
Full Name(s) of Applicant(s)
Secured Property Address
To:
Please accept this as my/our wrien authority to release any
informaon requested by Equinance Limited concerning my
mortgage account at any me.
Could you please treat this request as a maer of urgency.
Yours faithfully
Signed
Re: Mortgage Account Number
Date
Sign and date here
Signed
Date
/ / / /
/ / / /
dd
mm
yy
dd
mm
yy
dd
mm
yy
dd
mm
yy
8
for compleng this secon
Guidelines
It may be useful to collect the following informaon before you start:
Please use monthly amounts when filling in the form.
For quarterly bills, mulply by 4 and then divide by 12 to get a monthly average figure.
If you have weekly figures for some expenses, mulply by 52 and then divide by 12 to
get a monthly equivalent figure.
The informaon you provide is used to assess your financial situaon and your
suitability for a loan.
Bank statements
Ulity bills
Mortgage and credit card statements
Sky/cable/broadband subscripon details
Insurance policies
Supermarket receipts
Leisure related receipts - restaurants,
cinema, pubs and bars, bills for holidays
Please try to complete this form as accurately as possible.
If you need help with this form, please contact your broker.
Income and Expenditure
Secon 4
Income and Expenditure
Applicant(s) Full Names
Applicant(s) Address
Total Gross Income Declaraon: Applicant 1 £ Applicant 2 £
Salary (Net)
Private Pension
State Pension
Tax Credits
Maintenance
Other Benefits
Other Income
Total Monthly Income
Applicant 1
Specify
Mortgage Payment
Proposed Second Mortgage
Council Tax
Food and Household Goods
Ulies
Clothing and Footwear
Transport costs (including all car costs)
Examples: TV License, TV Package, Internet, Mobile Phone, Landline
Examples: Denst, Opcians, Health/Life Insurance, Prescripon
*
**
Communicaon *
Vehicle Insurance
£
Essenal
Expenditure
£
£
£
£
£
£
£
Applicant 2
Specify
£
£
£
£
£
£
£
£
£
£
£
£
£
£
£
£
£
Insurance and Pensions
Health **
Mortgage Payment Vehicle
(If interest only)
Ground Rent/Service Charge
Childcare/Maintenance
Other
£
£
£
£
£
£
Total Income
Monthly Income
Monthly Expenditure
I/We conrm that the above informaon is a true and accurate reecon of our Income and Expenditure.
I/We are not aware of any impending changes to our nancial or personal circumstances that would
impact on the aordability of the Loan.
I/We authorise Equinance to directly pay any credit that is to be repaid.
Applicant 1
Signed
Applicant 2
Signed
Date Date
Sign and date here
9
Income and Expenditure
Secon 4
/ / / /
dd
mm
yy
dd
mm
yy
10
EQD** Issue 1 01.01.18
Name
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Creditor Name
Creditor Name
Credit Type
Credit Type
Type Balance o/s Sort Code Account Number Reference
Selement
Amount
To be Repaid
YES/NO
Balance on
Credit Report
For broker use
only
Please list all unsecured debts i.e credit cards, loans etc.
Please indicate which debts you propose to repay with your Equifinance loan.
Debt Consolidaon
LIST OF UNSECURED DEBTS. i.e credit/store cards, loans, HP, Overdras, Payday loans, Mail Order
Applicant 1
Signed
Date
Applicant 2
Signed
Date
In the event that the informaon is incorrect then this may delay us compleng your loan and or the recovery
of monies paid in error. Please sign here to conrm the informaon provided is correct. In the event addional
creditors need to be added please use seperate sheet.
Sign and date here
PLEASE NOTE: Unless advised otherwise, all payments will be sent
to the creditors by BACS payment. Please allow 3 -5 working days
for the payment to be received.
IMPORTANT: The proceeds of your loan will be disbursed to your
creditors as per this schedule.
It is important that you check that the following informaon is correct:
1. Sort Codes
2. Account Numbers
3. References
4. Selement Figures
/ / / /
Creditor Name
Credit Type
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Creditor Name
dd
mm
yy
dd
mm
yy
11
EQD** Issue 1 01.01.18
Name
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name Credit Type
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Creditor Name
Creditor Name
Credit Type
Credit Type
Type Balance o/s Sort Code Account Number Reference
Selement
Amount
To be Repaid
YES/NO
Balance on
Credit Report
For broker use
only
Please list all unsecured debts i.e credit cards, loans etc.
Please indicate which debts you propose to repay with your Equifinance loan.
Debt Consolidaon
LIST OF UNSECURED DEBTS. i.e credit/store cards, loans, HP, Overdras, Payday loans, Mail Order
Applicant 1
Signed
Date
Applicant 2
Signed
Date
In the event that the informaon is incorrect then this may delay us compleng your loan and or the recovery
of monies paid in error. Please sign here to conrm the informaon provided is correct. In the event addional
creditors need to be added please use seperate sheet.
Sign and date here
PLEASE NOTE: Unless advised otherwise, all payments will be sent
to the creditors by BACS payment. Please allow 3 -5 working days
for the payment to be received.
IMPORTANT: The proceeds of your loan will be disbursed to your
creditors as per this schedule.
It is important that you check that the following informaon is correct:
1. Sort Codes
2. Account Numbers
3. References
4. Selement Figures
/ / / /
Creditor Name
Credit Type
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Creditor Name
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Credit Type
Creditor Name
Credit Type
dd
mm
yy
dd
mm
yy
12
Privacy Noce
Secon 5
1. Introducon
Equinance Ltd of 1st Floor, Kirkdale House,7 Kirkdale Road, Leytonstone, London, E11 1HP (referred to as
“Equinance”, “We” “our” or “us”) are commied to protecng and respecng your privacy.
This noce sets out the basis on which any personal data we collect from you (‘you’ and ‘your’ refers to all our current
and past customers including potenal customers who apply for our products and services and any third pares
authorised by them to deal with us on their behalf), or that you provide to us, will be processed by us. Please read the
following carefully to understand our views and pracces regarding your personal data and how we will treat it.
We have put in place a number of measures to ensure that any personal data we obtain from you is processed and
maintained in accordance with accepted principles of good informaon handling and in accordance with the General
Data Protecon Regulaons (GDPR) and the Data Protecon Act 1998 (the “DPA”), collecvely referred to as the “Data
Protecon Legislaon”.
For the purpose of the Data Protecon Legislaon, the data controller is Equinance Limited. You can contact us at the
address above or by telephone on 0208 045 1375 or e-mail customerservices@equinance.co.uk
2. Informaon we may collect from you
For processing of personal data to be lawful, we are required to tell you the lawful basis or bases on which we will
process your personal data. Equinance considers the processing of personal data to be necessary for the performance
of a contract we have with an individual or to take steps to enter into a contract with an individual.
Equinance also has a legimate interest in promong its products or services to its clients where we believe these may
be of interest to you. Further details are given below in the markeng secon of this noce.
We will collect personal and nancial informaon about you when you provide us with data and informaon over the
telephone, when you send us documents, when you send us a paper applicaon form or forms on our website or from
any third pares (including your Broker), when you apply for a loan or request other products or services from us and
when we access informaon held by credit reference agencies about you. This will include your name, address, date of
birth, employment and nancial history.
In certain circumstances it may be necessary to process an individual’s sensive personal data, such as maers relang
to health, where it has or could have an impact upon the individual’s ability to manage their loan with Equinance.
We will only do this if we have the individual’s specic consent and to enable us to administer the loan in the most
appropriate way.
3. Uses of your personal informaon
We may use informaon held about you in the following ways:
To verify your identy and credit standing with credit reference agencies and to enable us to consider
and process your applicaon for a loan. Please note that credit reference agencies may place a search
footprint on your credit le that may be seen by other lenders.
To assess your credit history and conrm your employment details.
To detect, prevent and invesgate actual and potenal fraud and related acvies.
To collect unpaid loans and debt that may be owed by you to us.
To contact you in connecon with your enquiry.
To help us administer and service your account with us.
To carry out our obligaons arising from any contracts entered into between you and us.
13
Privacy Noce
Secon 5
The administraon of your account includes collecng regular direct debit payments from your designated bank account
where they have been set up. We use ‘GoCardless’ to process your direct debit payments. More informaon on how
GoCardless processes your personal data and your data protecon rights, including your right to object, is available at
hps://gocardless.com/legal/privacy/
4. Markeng
We may also use your personal data to develop, manage and market products and services to meet your needs and
to provide you with informaon, products or services that you request from us or which we feel may interest you. We
may contact you by SMS, post, e-mail or telephone unless you have told us that you do not wish to receive markeng
communicaons from us. We will not sell or otherwise share your personal data with third pares, other than as stated
within this privacy noce.
You have the right to opt out of receiving markeng at any me by wring to us at Equinance Ltd, 1st Floor,
Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP or by telephone on 0208 045 1375 or e-mail
customerservices@equinance.co.uk
5. Disclosure of your informaon
We may disclose your personal informaon to the following:
Our insurers, auditors, solicitors, professional advisors, sub-contractors, 3rd party processors
or any person providing services to Equinance Limited or who are involved in the loan applicaon,
who have agreed to treat your personal details as condenal.
Any funders of Equinance Limited or any proposed or actual third party involved in any mater
relang to the administraon of your loan with us who has agreed to keep the details condenal.
Any person where such disclosure is necessary to enable us to ensure that your obligaons under any
agreement or mortgage with us is being complied with and to ensure that any security given in
connecon with any loan is not at risk.
We may also disclose your personal informaon to third pares from me to me for the following reasons:
In the event that there is (or is to be) any change in ownership of our business or assets, we may
disclose your personal data to the prospecve or new owners so that they may connue to operate our
business elecvely and connue to provide services to our customers. This may include new shareholders
or any organisaon that may take an assignment or transfer of any agreements we have entered into
with our customers.
If we are under a duty to disclose or share your personal data in order to comply with any legal
obligaon (including with any government agencies or regulators) or to exchange informaon with
other third pares for the purposes of fraud protecon and credit risk reducon.
6. Credit reference agencies
We will check our own records and we will also contact credit reference agencies to get informaon on your credit
behaviour with other organisaons. This will help us make the best possible assessment of your overall situaon before
we make a decision to make a loan to you. By subming your applicaon to us, you authorise us to make an enquiry to
credit reference agencies regarding your credit behaviour.
14
Privacy Noce
Secon 5
We may collect the following informaon from you for these purposes:
Informaon on your personal accounts
Financial informaon on an associate’s personal accounts if there are any nancial links with you
Business accounts if you are a director or partner in a small business
Data held by fraud prevenon agencies on you and your business if you have one
Informaon obtained from public records including the electoral roll
We may disclose informaon about your transacons with us (including any defaults) to credit reference agencies who
may keep a record of that informaon. If you provide us with false or inaccurate informaon and we suspect fraud, we
will record this and may also pass this informaon to nancial and other organisaons involved in fraud protecon to
protect us, them and our respecve customers from the and fraud.
Further informaon on how the three CRAs use and store personal data they receive about you can be found at:
hps://www.equifax.co.uk/crain.html
7. Retenon of your personal informaon
The length of me we retain your informaon will depend on the purpose for which the informaon was provided.
In general, however:
We will keep the informaon that is necessary to enable us to manage your account and provide
you with a service that you have requested for the duraon for which we are required to keep it for
legal and regulatory purposes.
We will keep records of any transacons you enter into on the Equinance website for a minimum
period of six years. This is to allow us to respond to any complaints or disputes that may arise during
that period.
We will keep other informaon about you if it is necessary for us to do so to comply with the law.
Please be aware that credit reference agencies and fraud prevenon agencies who we have transferred your data to
in accordance with this noce, may also retain your informaon for a minimum period of six years.
8. Data security
At Equinance Limited we make the safety and security of the data a top priority and are commied to protecng your
personal and nancial informaon. Where we collect personal informaon from you, we will protect that informaon
with controls based upon recognized security standards, regulaons, and industry-based best pracces.
9. Telephone calls
When you telephone us we may record and retain your call for training and monitoring purposes.
15
Privacy Noce
Secon 5
10. Your rights under GDPR
10.1 Access to informaon
The Data Protecon Legislaon gives you the right to access informaon held about you called a Subject Access
Request. Please contact Equinance Limited at the address provided at the beginning of this secon or on
the Contact page of our website www.equifnance.co.uk, if you wish to seek such informaon.
We will provide your informaon to you free of charge and within 30 days of receiving your request.
We may be entled to extend this to two months if the request is parcularly complex or involves numerous
requests. We may also be permied to charge a reasonable fee if a request is deemed to be manifestly
unfounded or excessive.
You may also contact the credit reference agencies operang within the UK to obtain further informaon about
what informaon they hold about you. Please contact us and we will provide you with their details.
10.2 Right to reccaon
You are entled to have personal data reced if it is inaccurate or incomplete.
10.3 Right to erasure
In certain circumstances you may have the right to have your personal data erased, for example, if you believe
it is no longer necessary for the purpose for which it was originally collected. If we are unable to accede to your
request for a valid reason, we will tell you why.
10.4 Right to restrict processing
You may have the right to ask us to restrict the processing of your data for a certain period of me. For example,
if you contest the accuracy of your personal data you can ask us to restrict processing unl the accuracy of the
data has been veried.
10.5 Right to object
You have the right to object at any me to your personal data being processed for markeng purposes.
10.6 Right to lodge a complaint
If you believe we have breached the regulaons or have any concerns about the way we have handled your
personal data, you have the right to lodge a complaint with the Informaon Commissioner’s Oce via their
website at: www.ico.org.uk
11. Changes to our Privacy Noce
Any changes we may make to our privacy policy will be updated on our website.
16
299213
Instrucons to your Bank or Building Society
Instrucon to your bank or building society
to pay by Direct Debit
Please complete and return this form to:
Name(s) of account holder(s) Service User Number
Bank/building society account number Reference
Branch sort code
Name and full postal address of your bank or building society
To: The Manager Bank/Building Society
Address Signature(s)
Postcode Date
GC re Equifinance Limited
1st Floor Kirkdale House
7 Kirkdale Road
Leytonstone
London, E11 1HP
T: 0208 045 1375
E: customerservices@equifinance.co.uk
Please pay GC re Equifinance Limited Direct Debits from the account
detailed in this Instrucon subject to the safeguards assured by the
Direct Debit Guarantee. I understand that this Instrucon may remain
with GC re Equifinance Limited and, if so, details will be passed
electronically to my bank/building society.
The Direct Debit Guarantee
The Guarantee is offered by all banks and building
sociees that accept instrucons to pay Direct Debits.
If there are any changes to the amount, date or
frequency of your Direct Debit GC re Equifinance
Limited will nofy you (normally 3 working days) in
advance of your account being debited or as
otherwise agreed. If you request GC re Equifinance
Limited to collect a payment, confirmaon of the
amount and date will be given to you at the me of
the request.
If an error is made in the payment of your Direct Debit, by GC re
Equifinance Limited or your bank or building society, you are
entled to a full and immediate refund of the amount paid from
your bank or building society.
If you receive a refund you are not entled to, you must pay it back
when GC re Equifinance Limited asks you to.
You can cancel a Direct Debit at any me by simply contacng your
bank or building society. Wrien confirmaon may be required.
Please also nofy us.
Banks and building sociees may not accept Direct Debit Instrucons for some types of account.
This guarantee should be detached and retained by the payer.
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