by mettes
Thu Nov 19, 2015 6:35 pm
[email protected]
IF INTERESTED PLEASE GET BACK TO US WITH THE FOLLOWING INFO
1) First Name:
2) Last Name:
3) City/Zip Code:
4) State:
5) Country:
6) Gender:
7) Date of birth (yyyy-mm-dd):
Amount Needed:
9) Purpose For Loan:
10) Duration:
11) Telephone:
12) Fax:
13) Occupation:
14) Monthly income:
----------------------------------------------------------
THE TERMS OF THIS CONTRACT INCLUDE THE
ITEMS SET OUT ON THE FRONT OF THIS CONTRACT
AND THE CONDITIONS SET OUT BELOW.
1. The Loan
If we accept this contract, we will lend you the
amount of credit you have offered to borrow. This
amount is stated on the contract under “Total
Amount of Credit”. You authorize us to distribute
the loan in the way set out under “Who we will pay
your loan to” all on the same day. The total amount,
including interest which you will have to pay is set
out under “Total amount of repayments”.
2. You must pay interest
You must pay interest on the Total Amount of Credit
at the rate stated under “Annual percentage rate”.
The amount of interest charges payable is stated
under “Total amount of interest charges payable”.
3. How is interest calculated?
We calculate interest payable by you by applying
the daily percentage rate of interest to the unpaid
daily balances under this contract. The unpaid daily
balance is the amount you owe us at the end of any
particular day (Sydney time), and is the difference
between all amounts credited and all amounts
debited to your account at the end of the day on
any particular day. The daily percentage rate is
determined by dividing the annual percentage rate
by 365. This interest accrues daily and is debited
to your account calendar monthly in arrears
immediately after the last day of each calendar
month. If you payout all the monies owing under
this contract, then interest for the period from the
last debit date up to but excluding the payout date
will be debited on the payout date. Under this
contract, accrued interest debited on a day will not
include interest relating to that day.
Capitallineinvestment personal loan
TERMS AND CONDITIONS
4. You must repay the Total Amount of Credit plus the
interest
You must repay the Total Amount of Credit plus
the interest charges by monthly repayments.
The amount of each repayment is stated under
“Amount of each repayment”. You must pay the
First repayment on the date stated under “Repayments”.
After that, you must pay a repayment on the same
day of each following month. You must make the
number of repayments stated under “Number of
repayments” for the period stated under “Period
of repayments (loan term)”, and pay the balance
owing under this contract on the date the
final payment is due. You agree not to deduct anything
from any such repayment. This means you cannot
deduct anything that you claim we owe or could in
the future owe you.
You must make payments to us by any of the
Following methods;
i) In person, at our address shown on the front
Of this contract document
ii) By direct debit bank transfer
iii) By telephoning our office with your credit
card details
5. Fees and Charges
We may, subject to the Consumer Credit Code, at
any time impose additional fees and charges or
vary the fees and charges set out in this Contract.
We may debit these fees and charges from your
account. We will notify you in writing of the
imposition of a new fee or charge or the variation
of any existing fee or charge. We may debit any
fees and charges payable from your account.
6. We may adjust your account balances
We may, subject to the Consumer Credit Code,
adjust the balance in your account to take
account of any processing error or because of
the dishonoring of a repayment. We may also,
subject to the Consumer Credit Code, adjust the
balance of your account so as to accurately reflect
the legal obligations between you and us. We can
do that whether the adjustment favors you or us.
We can apply any payment in any way we consider
Appropriate.
7. Unascertainable credit fees and charges
A bank dishonour fee is payable when a bank
refuses to honour your payment. This dishonour
fee will be payable to us by you to reimburse our
bank. The amount of the dishonour fee will be
determined by our bank and may change from time
to time. This fee is payable and will be debited to
your account immediately incur it. We will notify
you in writing of the debiting of, or change to, this
fee.
8. Commissions paid to or by us
A commission is payable by the company named
under “Who we will pay your loan to” to us, and to
the sales consultant named on this contract. The
amount of commission payable is unascertainable
as at the Disclosure date of information.
A commission is payable to the company named
under “Who we will pay your loan to” by us for the
introduction of credit business. The amount of
commission is unascertainable as at the Disclosure
date of information.
9. Things you must not do
You must not;
i) commit an act of bankruptcy; or
ii) fail to pay us on time any money you have to
pay us under this contract; or
iii) pay any repayment/s with a cheque, direct
debit or other instrument that is subsequently
dishonoured by a bank; or
iv) fail to comply with any condition of this loan
contract; or
v) make any material false or misleading
representation.
10. We may end this contract in certain
circumstances
We are entitled to give you a written notice requiring
you to correct any default of this contract. If you
don’t do the things specified in the written notice
within 30 days we can require you to pay us whatever
money you owe to us under this contract. The
money you owe to us includes the unpaid balance
of the loan, any other accrued interest, any fees
and charges due and owing and any enforcement
expenses. If the law does not require us to do so,
we do not have to give you a written notice before
we can require you to pay us whatever money you
owe to us under this contract. In addition, subject
to the Consumer Credit Code, we may exercise
our other rights under this contract, and any right
available to us under law.
11. Enforcement expenses
Enforcement expenses may become payable
under this contract in the event of a breach. We
may debit these expenses to your account. They
will become immediately due for payment once
debited. Enforcement expenses may include
solicitors’ legal costs and the reasonable expenses
of our staff and our facilities incurred in relation to
any enforcement.
12. Change of circumstances and address
You must tell us promptly if you change your
residential or postal address, or if you think there is
any information that we should be aware of about
your ability to comply with this contract.
13. Notices
Any notice or demand given by us under this
contract or required by law may be given in writing,
can be signed by any of our officers, and can be
delivered personally or by pre-paid mail to the
address you have nominated for delivery of notices,
or if no such address has been nominated by you,
your address as last known to us. Any such notice
or demand shall be deemed to have been received
by you when it would have been delivered in the
ordinary course of post.
14. Join and several liability
If you are two or more persons, your obligations as
debtors are both joint and several.
15. Date of Contract
This contract takes effect on the date that we
accept your offer to borrow (“Acceptance Date”).
16. Assignment
We may deal with, assign or transfer to any person
or company any of our rights and interests under
this contract.
17. Consumer Credit Code and other laws
To the extent that any provisions or parts of this
loan contract are inconsistent with the Consumer
Credit Code or other laws, they will be deleted so
that the rest of the contract shall remain valid and
enforceable. All disclosures under this contract are
made on the basis of assumptions permitted by
the Consumer Credit Code.
18. YOUR ACKNOWLEDGEMENTS
You agree that, before you signed this contract,
you received;
i) a pr-contractual statement made up of a
financial table and a copy of this contract for
you to keep, and
ii) the information statement telling you of
things you should know about your proposed
credit contract
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Content-Type: multipart/alternative; boundary="_c74a56d6-a490-4bdb-a44c-df314277bed6_"
From: Frank Daniel <[email protected]>
To: snip
Subject: RE: loan
Date: Thu, 19 Nov 2015 01:15:37 +0100
Importance: Normal
In-Reply-To: <trinity-df262bd3-5ab5-4bbb-ba85-7bfd3b9cb83c-1447889427311@3capp-mailcom-bs15>
References: <trinity-df262bd3-5ab5-4bbb-ba85-7bfd3b9cb83c-1447889427311@3capp-mailcom-bs15>
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IF INTERESTED PLEASE GET BACK TO US WITH THE FOLLOWING INFO
1) First Name:
2) Last Name:
3) City/Zip Code:
4) State:
5) Country:
6) Gender:
7) Date of birth (yyyy-mm-dd):
Amount Needed:9) Purpose For Loan:
10) Duration:
11) Telephone:
12) Fax:
13) Occupation:
14) Monthly income:
----------------------------------------------------------
THE TERMS OF THIS CONTRACT INCLUDE THE
ITEMS SET OUT ON THE FRONT OF THIS CONTRACT
AND THE CONDITIONS SET OUT BELOW.
1. The Loan
If we accept this contract, we will lend you the
amount of credit you have offered to borrow. This
amount is stated on the contract under “Total
Amount of Credit”. You authorize us to distribute
the loan in the way set out under “Who we will pay
your loan to” all on the same day. The total amount,
including interest which you will have to pay is set
out under “Total amount of repayments”.
2. You must pay interest
You must pay interest on the Total Amount of Credit
at the rate stated under “Annual percentage rate”.
The amount of interest charges payable is stated
under “Total amount of interest charges payable”.
3. How is interest calculated?
We calculate interest payable by you by applying
the daily percentage rate of interest to the unpaid
daily balances under this contract. The unpaid daily
balance is the amount you owe us at the end of any
particular day (Sydney time), and is the difference
between all amounts credited and all amounts
debited to your account at the end of the day on
any particular day. The daily percentage rate is
determined by dividing the annual percentage rate
by 365. This interest accrues daily and is debited
to your account calendar monthly in arrears
immediately after the last day of each calendar
month. If you payout all the monies owing under
this contract, then interest for the period from the
last debit date up to but excluding the payout date
will be debited on the payout date. Under this
contract, accrued interest debited on a day will not
include interest relating to that day.
Capitallineinvestment personal loan
TERMS AND CONDITIONS
4. You must repay the Total Amount of Credit plus the
interest
You must repay the Total Amount of Credit plus
the interest charges by monthly repayments.
The amount of each repayment is stated under
“Amount of each repayment”. You must pay the
First repayment on the date stated under “Repayments”.
After that, you must pay a repayment on the same
day of each following month. You must make the
number of repayments stated under “Number of
repayments” for the period stated under “Period
of repayments (loan term)”, and pay the balance
owing under this contract on the date the
final payment is due. You agree not to deduct anything
from any such repayment. This means you cannot
deduct anything that you claim we owe or could in
the future owe you.
You must make payments to us by any of the
Following methods;
i) In person, at our address shown on the front
Of this contract document
ii) By direct debit bank transfer
iii) By telephoning our office with your credit
card details
5. Fees and Charges
We may, subject to the Consumer Credit Code, at
any time impose additional fees and charges or
vary the fees and charges set out in this Contract.
We may debit these fees and charges from your
account. We will notify you in writing of the
imposition of a new fee or charge or the variation
of any existing fee or charge. We may debit any
fees and charges payable from your account.
6. We may adjust your account balances
We may, subject to the Consumer Credit Code,
adjust the balance in your account to take
account of any processing error or because of
the dishonoring of a repayment. We may also,
subject to the Consumer Credit Code, adjust the
balance of your account so as to accurately reflect
the legal obligations between you and us. We can
do that whether the adjustment favors you or us.
We can apply any payment in any way we consider
Appropriate.
7. Unascertainable credit fees and charges
A bank dishonour fee is payable when a bank
refuses to honour your payment. This dishonour
fee will be payable to us by you to reimburse our
bank. The amount of the dishonour fee will be
determined by our bank and may change from time
to time. This fee is payable and will be debited to
your account immediately incur it. We will notify
you in writing of the debiting of, or change to, this
fee.
8. Commissions paid to or by us
A commission is payable by the company named
under “Who we will pay your loan to” to us, and to
the sales consultant named on this contract. The
amount of commission payable is unascertainable
as at the Disclosure date of information.
A commission is payable to the company named
under “Who we will pay your loan to” by us for the
introduction of credit business. The amount of
commission is unascertainable as at the Disclosure
date of information.
9. Things you must not do
You must not;
i) commit an act of bankruptcy; or
ii) fail to pay us on time any money you have to
pay us under this contract; or
iii) pay any repayment/s with a cheque, direct
debit or other instrument that is subsequently
dishonoured by a bank; or
iv) fail to comply with any condition of this loan
contract; or
v) make any material false or misleading
representation.
10. We may end this contract in certain
circumstances
We are entitled to give you a written notice requiring
you to correct any default of this contract. If you
don’t do the things specified in the written notice
within 30 days we can require you to pay us whatever
money you owe to us under this contract. The
money you owe to us includes the unpaid balance
of the loan, any other accrued interest, any fees
and charges due and owing and any enforcement
expenses. If the law does not require us to do so,
we do not have to give you a written notice before
we can require you to pay us whatever money you
owe to us under this contract. In addition, subject
to the Consumer Credit Code, we may exercise
our other rights under this contract, and any right
available to us under law.
11. Enforcement expenses
Enforcement expenses may become payable
under this contract in the event of a breach. We
may debit these expenses to your account. They
will become immediately due for payment once
debited. Enforcement expenses may include
solicitors’ legal costs and the reasonable expenses
of our staff and our facilities incurred in relation to
any enforcement.
12. Change of circumstances and address
You must tell us promptly if you change your
residential or postal address, or if you think there is
any information that we should be aware of about
your ability to comply with this contract.
13. Notices
Any notice or demand given by us under this
contract or required by law may be given in writing,
can be signed by any of our officers, and can be
delivered personally or by pre-paid mail to the
address you have nominated for delivery of notices,
or if no such address has been nominated by you,
your address as last known to us. Any such notice
or demand shall be deemed to have been received
by you when it would have been delivered in the
ordinary course of post.
14. Join and several liability
If you are two or more persons, your obligations as
debtors are both joint and several.
15. Date of Contract
This contract takes effect on the date that we
accept your offer to borrow (“Acceptance Date”).
16. Assignment
We may deal with, assign or transfer to any person
or company any of our rights and interests under
this contract.
17. Consumer Credit Code and other laws
To the extent that any provisions or parts of this
loan contract are inconsistent with the Consumer
Credit Code or other laws, they will be deleted so
that the rest of the contract shall remain valid and
enforceable. All disclosures under this contract are
made on the basis of assumptions permitted by
the Consumer Credit Code.
18. YOUR ACKNOWLEDGEMENTS
You agree that, before you signed this contract,
you received;
i) a pr-contractual statement made up of a
financial table and a copy of this contract for
you to keep, and
ii) the information statement telling you of
things you should know about your proposed
credit contract
