Car Insurance Policy Renewal PDF

34545323455index,10 3478676865245-0000000 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90e...

34545323455index,10 3478676865245-0000000 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc/20231190309_PACK_25Jan08003719.pdf 34545323455tray1, 34545323455tray2, 34545323455tray3, 34545323455tray4, 34545323455tray5, 34545323455tray6, 34545323456 34545323456 34545323456 34545323456 34545323456 Car Insurance 08 January 2025 Your car insurance policy at a glance Policy number 9154472G Registration no. BD20FOC Renewal date 08 January 2025 Mr E Oprea 50A Renewal Premium £1250.63 Cumberland Avenue Maidstone Kent ME15 7JJ Hello Emil-Ovidiu Policy number 9154472G It's all sorted, your Skoda is covered with us Registration Number: BD20FOC Thank you for being a loyal customer over the past year. We're delighted that Start date: you have chosen to stay with us for another 12 months, and can confirm that 8 January 2025 your personalised Silver cover has been set up for you as requested. Annual premium: £1250.63 Your personalised cover Your payment will be taken by direct debit 12 monthly As you’ve chosen our Comprehensive package, we’ve given you a wide payments of: £114.53 range of features and benefits included in your policy as standard. This Total amount of credit: includes: £1250.55 Plus a fixed flat simple interest ✓ A free courtesy car to help you keep going while yours is being repaired rate of 9.9% ✓ A repair or replacement cover if your windscreen or windows are damaged Total interest due: £123.81 ✓ Free cover across the EU for up to 90 days for hassle-free travel Total amount payable: £1374.36 Duration of credit agreement: Your optional extra choices: 12 months APR: 21.8% Representative Motor legal Breakdown cover Driver injury (variable) protection cover (This is also a representative Not Purchased Not Purchased Not Purchased example of how your payment plan works) Key Cover Upgraded No Claims Prices shown include any courtesy car Discount Protection optional extras and Insurance Not Purchased Not Purchased Not Purchased Premium Tax where applicable If you've similar cover elsewhere, the policy benefits may overlap with what you've selected above, so please check how this may affect you. Your regular monthly payments of £114.53 will come out on or just after 18th of each month. We have enclosed two copies of the fixed term loan agreement, which gives *These telephone numbers may be included as part of any inclusive call minutes provided by your phone operator. Tesco Car Insurance and add-on insurance products are arranged by Tesco Insurance acting as an insurance intermediary and are underwritten by a select range of insurers. Tesco Insurance is a trading name of Tesco Personal Finance plc. Registered in Scotland No. 173199. Registered Office: 2 South Gyle Crescent, Edinburgh EH12 9FQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We may monitor and record calls for training purposes to improve the quality of our service and to detect and prevent fraud. 520860560010801250037RENEW1_1_50A Cumberland Avenue;Maidstone;Kent;;ME15 7JJ T5_BASE01A4_STD_N_003_END details of the terms of your Direct Debit plan, including that if you miss one payment, we may cancel your policy. The enclosed pre-contract credit information and credit agreement explain how we calculate and apply your interest rate. Please read, sign and return one copy as soon as possible, and keep the other copy for your records. You can return this to us by taking a photo or scan of he signed agreement and uploading via Your Insurance Account. Alternatively, you can post this to the freepost address on the front of this letter. Accessing your insurance account online We've made it quick and easy for you to view your policy documents, make changes to your cover and update your personal details for free online through Your Insurance Account. If you haven't already, you can set up your account today in under 3 minutes: 1. Go to tescoinsurance.com & click register in the top right corner 2. Enter your personal details and policy number 9154472G 3. Verify your account using a code we’ll text you How to get in touch How to make a claim Login to Your Insurance Account at tescoinsurance.com/car-insurance/making-a-claim/ tescoinsurance.com or call us on 0345 673 Call us on 0345 677 3377* 0000* Lines are open 7 days a week See website for opening hours See website for opening hours You must check your cover Please carefully check all the information you provide, as inaccurate information could result in claims being declined or your policy being vioded. You can check this in your documents in Your Insurance Account. If you need to make any changes (including how we send you documents), please give our team a call on 0345 671 5678. Tesco Car Insurance is arranged and administered by Tesco Insurance and you policy will be underwritten by Tesco Underwriting Ltd. Your easy, automatic renewal We’ve made renewing your car insurance easy and stress-free. That's why your policy will automatically renew with us next year. With automatic renewal you can: Rest assured knowing that you won't be left uninsured Save time, knowing that you don't need to contact us Sit back and relax, because we'll send you a helpful reminder about your automatic renewal about 21 days before your renewal date As your policy will automatically renew next year, you won’t need to contact us to renew. However, you can opt-out of automatic renewal at any time. We're here to help If you have any questions about your cover, or would like to discuss your policy, please call us on 0345 673 0000* and we'll be delighted to help you. Furthermore, if you need any additional support, we’d be happy to help, so please call us and let us know. This will ensure that our colleagues can give you the support you need now, and in the future. Thank you for choosing Tesco Car Insurance, we look forward to protecting you and your car for another year. Yours sincerely, Your Tesco Car Insurance Team 34545323455index,10 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc/20231190309_PACK_25Jan08003719.pdf 34545323455tray1, 34545323455tray2, 34545323455tray3, 34545323455tray4, 34545323455tray5, 34545323455tray6, 34545323456 34545323456 34545323456 34545323456 34545323456 Customer Copy Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 Who is this agreement between? This is an agreement between us, Tesco Insurance (address: PO Box 276, Newcastle upon Tyne, NE12 2BT) and you: Mr E Oprea, 50A, Cumberland Avenue, Maidstone, Kent, ME15 7JJ, 9154472G This agreement sets out the terms and conditions for the loan provided in connection with your insurance policy. Description of the goods financed by the Your loan is provided to finance the purchase of your Car insurance agreement The cash price paid for your policy £1250.55 (including Insurance Premium Tax (IPT) where applicable) Deposit (advance payment) £0.00 (A) The amount of credit borrowed £1250.55 (B) Cost of Credit £123.81 (C). This is the total charge for credit. This is the amount of interest which is calculated by applying a fixed flat simple rate of 9.9% on the amount of credit borrowed. You agree to pay a total of £1374.36 (A+B+C) This is the total amount of your deposit, the amount you have borrowed and interest and other charges. This is also called the Total Amount Payable. Duration of the agreement 12 months Number of monthly payments 12 Amount of monthly payments £114.53 APR 21.8% APR Repayment dates Your first payment will be taken on or after 18/01/2025, the next 11 payments will be taken on the 18th day of each month. The final payment date will be 18/12/2025. What is the credit used to pay for? The insurance premium (including IPT where applicable) in respect of your Tesco Car Insurance policy. How and when will the credit be provided? The credit is provided by allowing you to pay your annual insurance premium by deferred payments over the course of a 12 month period. This credit is provided at the point your insurance takes effect. Security: You assign to us your Tesco Car Insurance policy and your rights under the policy. See the 'General Terms' section below for further detail. Interest: We calculate interest by applying it in advance on the amount of credit borrowed and then adding it immediately to your outstanding balance. You will pay the amount of interest so calculated and applied as part of each monthly payment. Are there any fees or charges I may have to pay? There are no other charges payable under your agreement. We do not charge any fees if you are late making a repayment. If you do not make a repayment on time, we may instruct your insurer to cancel your cover. Please see your General Terms for more details. Can I cancel the loan if I change my mind at the start? Yes - and you don't have to tell us why you'd like to cancel. Your right to cancel starts: today if you have signed this agreement online and ends after a period of 14 days starting tomorrow; or on the date you received your copy of this agreement if you did not sign it online, and ends after a period of 14 days starting with the day after the date on which you received your copy of this agreement. To cancel your loan without paying any interest you must: 1. Tell us you want to cancel within the 14 day period. To do this, call 0345 673 0000* or write to Tesco Insurance, PO Box 276, Newcastle upon Tyne NE12 2BT 2. Repay the loan within 30 days of telling us you want to cancel. To do this, call 0345 673 0000* to pay by debit card. *This number may be included as part of any inclusive call minutes provided by your phone operator. Can I repay my loan early after the initial 14 days? Yes. You have the right at any time to repay the credit outstanding under this agreement in full or in part by contacting us on 0345 673 0000* or write to us at the address shown above. When will my loan end? You can repay your loan at any time - please see section 'Can I repay my loan early after the initial 14 days?' Otherwise, your loan will end when you have paid everything back. Can you ask me to repay the loan early? Yes. For example, this could happen if you are declared bankrupt, are subject to an Individual Voluntary Arrangement, miss any payment or seriously breach the loan agreement. If you make a claim under your policy and it is subsequently cancelled or voided (a) the full premium for your policy will be payable and (b) this agreement will be terminated and all sums due under it will become payable within 14 days of cancellation of your policy. If your vehicle is written off: (a) the full premium for your policy will be payable and (b) this agreement will be terminated and all sums due under it will become payable within 14 days of the settlement of your claim. General Terms Under section 77B of the Consumer Credit Act 1974, you can get a free statement of your account (Amortisation Table) at any time by asking us to send you one. This will tell you the details of each instalment owing under your agreement including how many repayments you still have to make, the date of each repayment you still have to make and how much of each repayment is interest and loan capital. If you have missed a payment we will send you a letter giving you the chance to catch up. We may also contact you to discuss your situation and try to arrange payment. If any amount remains outstanding after 14 days we will usually instruct your insurer to cancel your policy. We’ll send any notices we have to by law. If necessary, we may refer any amount you owe to a third party agency for collection and/or take you to court to recover the outstanding debt. We may transfer our rights and duties under our agreement with you to another lender or company in the future (this is sometimes called an assignation). We will only do this is if we reasonably believe they will treat you at least the same as us. If your address is in Scotland, Scottish law applies to the contract between us and disputes will be referred to the Scottish courts. If your address is in Northern Ireland, Northern Ireland law applies to the contract between us and disputes will be referred to the Northern Irish courts. If your address is elsewhere, English law will apply and disputes will be referred to the English and Welsh courts. We will communicate with you in English and you can ask for a copy of these terms and conditions at any time free of charge. Our telephone number is 0345 673 0000*. In calculating the APR, we have assumed that (i) this agreement will last for the duration set out above (ii) you and we will fulfil our obligations under this agreement and (iii) you make your first payment on the earliest date we permit. On termination of this agreement, whether by you or by us, you must immediately repay the balance of the Total Amount Payable (less any applicable rebate of the interest charged), together with our reasonable charges, costs and expenses incurred under this Agreement. For the avoidance of doubt, you remain liable to us for the payment of this amount, whether or not we recover any amount from the insurer. If we terminate this agreement, we may notify the insurer of your breach (if any) and, on your behalf, instruct the insurer to cancel the policy and pay us any sums referred to in the following bullet point. You assign to us, by way of security, the Tesco Car Insurance policy referred to above and all sums which may at any time become payable to you under the policy, whether by way of rebate of premium or by way of claims proceeds. If you live in England or Wales, you give this assignation with full title guarantee. We may appropriate such sums towards discharge of any sum owing by you to us under this agreement. Upon discharge of your indebtedness under this agreement, we will reassign the policy to you. You agree to keep the policy safely in your possession. You authorise us to notify the insurer of this assignment and of any sums under the policy which has become payable to use under the foregoing bullet point. If you sign this agreement online, you agree to enter into it in electronic form. You may have a right to sue the insurer, us or both if you receive unsatisfactory services under your insurance policy paid for by credit provided under this agreement. Tesco Insurance is a trading name of Tesco Personal Finance plc. Our address is PO Box 276, Newcastle Upon Tyne, NE12 2BT. Our consumer credit business is regulated by the Financial Conduct Authority, who can be contacted on the following address: 12 Endeavour Square, London, E20 1JN. If you make a complaint, we'll aim to resolve it as quickly as we can. If you're still not happy, you can refer your complaint to the Financial Ombudsman Service (FOS). You can find out more about the FOS by writing to them Exchange Tower, London E14 9SR or by telephoning on 0800 023 4567. Details are also available from their website, http://www.financial-ombudsman.org.uk MISSING PAYMENTS - IMPORTANT! Remember, if you miss a payment, it could have serious consequences. It could result in us taking legal action against you, and it could affect your ability to get credit (e.g. a credit card or a mortgage) in the future. It could also increase how much you pay for credit. This is a legally binding contract. Please only sign here if you agree to be bound by it. (Customer) (Date) Signed by Tesco Insurance Interim Chief Insurance Officer 08/1/2025 34545323455index,10 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc/20231190309_PACK_25Jan08003719.pdf 34545323455tray1, 34545323455tray2, 34545323455tray3, 34545323455tray4, 34545323455tray5, 34545323455tray6, 34545323456 34545323456 34545323456 34545323456 34545323456 Confirmation of the set-up of your Direct Debit instruction, including future payment schedule We have arranged to set up your Direct Debit as instructed. Your instalment plan has been processed by us, as agreed, and a Direct Debit facility created. Details of the payment schedule, terms and conditions and confirmation of the account details you gave are enclosed. Please can you check that the details below are correct. Account Name: VIRGINICA OPREA Account Number: 17051113 Date of first collection: 18/01/2025 Sort Code: 230580 Day of the month to be collected: 18 Amount to be collected: £114.53 Frequency of collection: Monthly For your information the collections will be made using: Reference Number: 52086056/0/D1 Service User Number: 253977 We ask that you check these details carefully and ensure they are correct. Please sign both copies of the enclosed Credit Agreement and return one copy to us. If you have any queries, or need further information regarding your instalments, please contact our Customer Services Department on 0345 673 0000*. Cancelling your Direct Debit You can cancel your Direct Debit at any time by advising your Bank or Building Society. Please note that, by cancelling your Direct Debit, you are also cancelling the Credit Agreement. If you are cancelling your Direct Debit before the final payment has been made to us, the outstanding balance becomes payable immediately. IMPORTANT: Cancelling your Direct Debit does not cancel your policy. Banks and Building Societies may not accept Direct Debit Instructions for some types of account. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Tesco Personal Finance plc will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Tesco Personal Finance plc to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by Tesco Personal Finance plc or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. - If you receive a refund you are not entitled to, you must pay it back when Tesco Personal Finance plc asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us. 34545323455index,10 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc/20231190309_PACK_25Jan08003719.pdf 34545323455tray1, 34545323455tray2, 34545323455tray3, 34545323455tray4, 34545323455tray5, 34545323455tray6, 34545323456 34545323456 34545323456 34545323456 34545323456 Please Sign and Return Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 Who is this agreement between? This is an agreement between us, Tesco Insurance (address: PO Box 276, Newcastle upon Tyne, NE12 2BT) and you: Mr E Oprea, 50A, Cumberland Avenue, Maidstone, Kent, ME15 7JJ, 9154472G This agreement sets out the terms and conditions for the loan provided in connection with your insurance policy. Description of the goods financed by the Your loan is provided to finance the purchase of your Car insurance agreement The cash price paid for your policy £1250.55 (including Insurance Premium Tax (IPT) where applicable) Deposit (advance payment) £0.00 (A) The amount of credit borrowed £1250.55 (B) Cost of Credit £123.81 (C). This is the total charge for credit. This is the amount of interest which is calculated by applying a fixed flat simple rate of 9.9% on the amount of credit borrowed. You agree to pay a total of £1374.36 (A+B+C) This is the total amount of your deposit, the amount you have borrowed and interest and other charges. This is also called the Total Amount Payable. Duration of the agreement 12 months Number of monthly payments 12 Amount of monthly payments £114.53 APR 21.8% APR Repayment dates Your first payment will be taken on or after 18/01/2025, the next 11 payments will be taken on the 18th day of each month. The final payment date will be 18/12/2025. What is the credit used to pay for? The insurance premium (including IPT where applicable) in respect of your Tesco Car Insurance policy. How and when will the credit be provided? The credit is provided by allowing you to pay your annual insurance premium by deferred payments over the course of a 12 month period. This credit is provided at the point your insurance takes effect. Security: You assign to us your Tesco Car Insurance policy and your rights under the policy. See the 'General Terms' section below for further detail. Interest: We calculate interest by applying it in advance on the amount of credit borrowed and then adding it immediately to your outstanding balance. You will pay the amount of interest so calculated and applied as part of each monthly payment. Are there any fees or charges I may have to pay? There are no other charges payable under your agreement. We do not charge any fees if you are late making a repayment. If you do not make a repayment on time, we may instruct your insurer to cancel your cover. Please see your General Terms for more details. Can I cancel the loan if I change my mind at the start? Yes - and you don't have to tell us why you'd like to cancel. Your right to cancel starts: today if you have signed this agreement online and ends after a period of 14 days starting tomorrow; or on the date you received your copy of this agreement if you did not sign it online, and ends after a period of 14 days starting with the day after the date on which you received your copy of this agreement. To cancel your loan without paying any interest you must: 1. Tell us you want to cancel within the 14 day period. To do this, call 0345 673 0000* or write to Tesco Insurance, PO Box 276, Newcastle upon Tyne NE12 2BT 2. Repay the loan within 30 days of telling us you want to cancel. To do this, call 0345 673 0000* to pay by debit card. *This number may be included as part of any inclusive call minutes provided by your phone operator. Can I repay my loan early after the initial 14 days? Yes. You have the right at any time to repay the credit outstanding under this agreement in full or in part by contacting us on 0345 673 0000* or write to us at the address shown above. When will my loan end? You can repay your loan at any time - please see section 'Can I repay my loan early after the initial 14 days?' Otherwise, your loan will end when you have paid everything back. Can you ask me to repay the loan early? Yes. For example, this could happen if you are declared bankrupt, are subject to an Individual Voluntary Arrangement, miss any payment or seriously breach the loan agreement. If you make a claim under your policy and it is subsequently cancelled or voided (a) the full premium for your policy will be payable and (b) this agreement will be terminated and all sums due under it will become payable within 14 days of cancellation of your policy. If your vehicle is written off: (a) the full premium for your policy will be payable and (b) this agreement will be terminated and all sums due under it will become payable within 14 days of the settlement of your claim. General Terms Under section 77B of the Consumer Credit Act 1974, you can get a free statement of your account (Amortisation Table) at any time by asking us to send you one. This will tell you the details of each instalment owing under your agreement including how many repayments you still have to make, the date of each repayment you still have to make and how much of each repayment is interest and loan capital. If you have missed a payment we will send you a letter giving you the chance to catch up. We may also contact you to discuss your situation and try to arrange payment. If any amount remains outstanding after 14 days we will usually instruct your insurer to cancel your policy. We’ll send any notices we have to by law. If necessary, we may refer any amount you owe to a third party agency for collection and/or take you to court to recover the outstanding debt. We may transfer our rights and duties under our agreement with you to another lender or company in the future (this is sometimes called an assignation). We will only do this is if we reasonably believe they will treat you at least the same as us. If your address is in Scotland, Scottish law applies to the contract between us and disputes will be referred to the Scottish courts. If your address is in Northern Ireland, Northern Ireland law applies to the contract between us and disputes will be referred to the Northern Irish courts. If your address is elsewhere, English law will apply and disputes will be referred to the English and Welsh courts. We will communicate with you in English and you can ask for a copy of these terms and conditions at any time free of charge. Our telephone number is 0345 673 0000*. In calculating the APR, we have assumed that (i) this agreement will last for the duration set out above (ii) you and we will fulfil our obligations under this agreement and (iii) you make your first payment on the earliest date we permit. On termination of this agreement, whether by you or by us, you must immediately repay the balance of the Total Amount Payable (less any applicable rebate of the interest charged), together with our reasonable charges, costs and expenses incurred under this Agreement. For the avoidance of doubt, you remain liable to us for the payment of this amount, whether or not we recover any amount from the insurer. If we terminate this agreement, we may notify the insurer of your breach (if any) and, on your behalf, instruct the insurer to cancel the policy and pay us any sums referred to in the following bullet point. You assign to us, by way of security, the Tesco Car Insurance policy referred to above and all sums which may at any time become payable to you under the policy, whether by way of rebate of premium or by way of claims proceeds. If you live in England or Wales, you give this assignation with full title guarantee. We may appropriate such sums towards discharge of any sum owing by you to us under this agreement. Upon discharge of your indebtedness under this agreement, we will reassign the policy to you. You agree to keep the policy safely in your possession. You authorise us to notify the insurer of this assignment and of any sums under the policy which has become payable to use under the foregoing bullet point. If you sign this agreement online, you agree to enter into it in electronic form. You may have a right to sue the insurer, us or both if you receive unsatisfactory services under your insurance policy paid for by credit provided under this agreement. Tesco Insurance is a trading name of Tesco Personal Finance plc. Our address is PO Box 276, Newcastle Upon Tyne, NE12 2BT. Our consumer credit business is regulated by the Financial Conduct Authority, who can be contacted on the following address: 12 Endeavour Square, London, E20 1JN. If you make a complaint, we'll aim to resolve it as quickly as we can. If you're still not happy, you can refer your complaint to the Financial Ombudsman Service (FOS). You can find out more about the FOS by writing to them Exchange Tower, London E14 9SR or by telephoning on 0800 023 4567. Details are also available from their website, http://www.financial-ombudsman.org.uk MISSING PAYMENTS - IMPORTANT! Remember, if you miss a payment, it could have serious consequences. It could result in us taking legal action against you, and it could affect your ability to get credit (e.g. a credit card or a mortgage) in the future. It could also increase how much you pay for credit. This is a legally binding contract. Please only sign here if you agree to be bound by it. (Customer) (Date) Signed by Tesco Insurance Interim Chief Insurance Officer 08/1/2025 34545323455index,10 34545323455output_folder,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc 34545323455persist,true34545323456 34545323455document_name,20231190309_20231190311_A_RENEW1TB_BCD_25Jan08003719 34545323455printfile_path,/tmp/assentis/20231190309:be90ec71-bae8-41a3-8051-eb42658674fc/20231190309_PACK_25Jan08003719.pdf 34545323455tray1, 34545323455tray2, 34545323455tray3, 34545323455tray4, 34545323455tray5, 34545323455tray6, 34545323456 34545323456 34545323456 34545323456 34545323456 Confirmation of the set-up of your Direct Debit instruction, including future payment schedule We have arranged to set up your Direct Debit as instructed. Your instalment plan has been processed by us, as agreed, and a Direct Debit facility created. Details of the payment schedule, terms and conditions and confirmation of the account details you gave are enclosed. Please can you check that the details below are correct. Account Name: VIRGINICA OPREA Account Number: 17051113 Date of first collection: 18/01/2025 Sort Code: 230580 Day of the month to be collected: 18 Amount to be collected: £114.53 Frequency of collection: Monthly For your information the collections will be made using: Reference Number: 52086056/0/D1 Service User Number: 253977 We ask that you check these details carefully and ensure they are correct. Please sign both copies of the enclosed Credit Agreement and return one copy to us. If you have any queries, or need further information regarding your instalments, please contact our Customer Services Department on 0345 673 0000*. Cancelling your Direct Debit You can cancel your Direct Debit at any time by advising your Bank or Building Society. Please note that, by cancelling your Direct Debit, you are also cancelling the Credit Agreement. If you are cancelling your Direct Debit before the final payment has been made to us, the outstanding balance becomes payable immediately. IMPORTANT: Cancelling your Direct Debit does not cancel your policy. Banks and Building Societies may not accept Direct Debit Instructions for some types of account. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Tesco Personal Finance plc will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Tesco Personal Finance plc to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by Tesco Personal Finance plc or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. - If you receive a refund you are not entitled to, you must pay it back when Tesco Personal Finance plc asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.