Download

Mr Saud malik Al-sadeed
12 Crossways
York
York
YO10 5JQ 21 September 2021
Your Account Number: 634282688171
Agreement Number: PP0557987286
Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 (“Credit Agreement”)
1. Parties to this Credit Agreement
Lenders: Sky UK Limited (company number 02906991, FCA Authorisation Number: 712293) (“Sky”)
and Sky Subscribers Services Limited (company number 02340150) (“SSSL”) both of Grant
Way, Isleworth, Middlesex, TW7 5QD (in this Credit Agreement, “we”, “our” and “us” are
references to Sky and other members of the Sky group).
Sky and SSSL will be jointly and severally liable to you under this Credit Agreement.
Borrower/ Mr Saud malik Al-sadeed of 12 Crossways, York, York, York, YO10 5JQ and
Customer: saud.alsadeed@gmail.com (“you”)
1.1 This Credit Agreement is entered into between us and you to finance the purchase of goods or services from
us (the credit cannot be used for any other purpose). Capitalised terms not defined in this Credit Agreement
are defined in your latest ‘Sky Mobile contract booklet’.
1.2 To be entitled to credit from us you must enter into ‘Your contract for Sky Mobile services and equipment’
in order to purchase equipment from us at the same time as entering this Credit Agreement. This Credit
Agreement is linked to ‘Your contract for Sky Mobile services and equipment’. If you want to continue to
repay the credit stated in this Credit Agreement by monthly repayments you must also subscribe to receive
Sky Mobile services and if you terminate ‘Your contract for Sky Mobile services and equipment’ and as a
result of this you no longer subscribe to any Sky Mobile services (including a Data Plan) we may take the
action set out in condition 15.2 of this Credit Agreement.
2. Description of Goods purchased
2.1 The credit will be provided to you to finance your purchase of the following goods from us:
Goods/Equipment: Apple iPhone 13 Pro Max Gold 256GB

(“Equipment”)
2.2 We will provide the credit stated in this Credit Agreement by applying it in full or partial payment of the cash
price of the Equipment. We will do this when the Equipment is supplied to you under ‘Your contract for Sky
Mobile services and equipment’.
2.3 If the Equipment we supply is damaged or faulty, you may be entitled to a remedy from us. See ‘Your
contract for Sky Mobile services and equipment’ for more details.
3. Key financial details (amount of credit and repayments)
3.1 The following key terms apply to this Credit Agreement:
Sky UK Limited (company number: 02906991) and Sky Subscribers Services Limited (company number: MOB6208
02340150), Grant Way, Isleworth, Middlesex, TW7 5QD. Sky Subscribers Services Limited is an appointed
representative of Sky UK Limited which is authorised and regulated by the Financial Conduct Authority.
COM-2133090f-
cf93-45d1-8061-1d468fd76306
Total cash price £1296.00
(the amount that
you would have to
pay to buy the
Equipment without
credit):
Upfront Payment: You have made an upfront payment for the Equipment of £0.00.
Total amount of The total amount of credit is £1296.00.

credit:
Interest: 0% per annum
Annual Percentage 0%
Rate of Charge The total amount payable under this Credit Agreement in order to finance the purchase of
(“APR”): the Equipment is not greater than the total cash price of the Equipment.
Total amount you £1296.00 (total amount of credit + upfront payment)

will have to pay:
Your repayments You must make the following repayments at monthly intervals:
• £40.00 for 24 months, followed by
• £28.00 for 12 months. ("Repayments")
The first Repayment will be payable on a date set by us or the date we agree, and will be
confirmed in writing. During the term of this Credit Agreement the repayment date may be
changed as agreed between you and us.
Charges for late We will not charge you any late payment fee or interest on any late or missed payments under
payments and this Credit Agreement.
other costs or
charges:
4. Duration of this Credit Agreement
4.1 This Credit Agreement is made on the date you sign it and, unless terminated earlier in accordance with its
terms, the duration is 36 months from the date on which the first Repayment is due to be paid.
4.2 This Credit Agreement will automatically end when all the amounts you are required to pay under it have
been paid in full or on earlier full repayment.
5. Right of withdrawal ("cooling off")
5.1 You have the right to withdraw from this Credit Agreement, without giving any reason, any time up to 14 days
from the day after:
a) the day on which this Credit Agreement is made;
b) the day you receive the Equipment; or
c) the day we give you a signed copy of this Credit Agreement (whichever is later).
If you do not exercise your right to withdraw, this Credit Agreement will remain in full force and effect and its
terms and conditions will bind you.
Sky UK Limited (company number: 02906991) and Sky Subscribers Services Limited (company number:
5.2 If you decide to withdraw from this Credit Agreement, we will treat the Credit Agreement as if it had never
been entered into. However, this does not affect your agreement to purchase the Equipment under 'Your
contract for Sky Mobile services and equipment' - please see ‘Your rights to cancel your order’ in your
latest 'Sky Mobile contract booklet' for details of your rights to cancel your purchase in your cancellation
period.
5.3 Any withdrawal from this Credit Agreement must be in accordance with this condition 5.3. You can give us
notice of withdrawal (and provide details of this Credit Agreement) by contacting us by:
a) Phone: 03300 41 25 24;
b) Writing to us: Sky Subscribers Services Limited, PO Box 43, Livingston, West Lothian EH54 7DD;
c) Email: MDThorndike@sky.uk or
d) Visiting “Contact Us” in My Sky at sky.com and completing the online cancellation form, or using Live Chat
to speak to one of our advisors.
5.4 If you withdraw from this Credit Agreement and do not return your Equipment to us as a result of exercising
your cancellation rights for your Equipment, or are outside the cancellation period for your Equipment, you
will have to repay the total amount of credit outstanding in full to pay for the Equipment outright. You must
do this without delay and, in any event, no later than 30 days after the day you gave us notice of withdrawal.
To make this payment, please call us on the number above and make payment using either a debit or credit
card.
5.5 If you do not want to keep the Equipment and you exercise your rights to cancel your order for the
Equipment under ‘Your contract for Sky Mobile services and equipment’ this Credit Agreement will
automatically terminate. You must take reasonable care of the Equipment and return it to us in accordance
with our instructions. See ‘Your rights to cancel your order’ in your latest ‘Sky Mobile contract booklet’ for
more details.
6. Statement of account
6.1 You have a right under section 77B of the Consumer Credit Act 1974 to receive a statement of account on
request, free of charge, at any time during the period of this Credit Agreement. This will show the amount of
each Repayment still owing under this Credit Agreement at the time of your request, the date on which each
Repayment is due, any conditions relating to its payment and a breakdown of each Repayment showing how
much comprises capital and any other charges. At the same time as giving you this statement, Sky will also
tell you how much you have paid under this Credit Agreement at the time of your request.
6.2 We will not have to comply with a request for a statement of account if you requested such a statement less
than one month before and we complied with that request.
7. Consequences of missing payments
7.1 Missing Repayments due under this Credit Agreement could have severe consequences - see condition 15 for
more details. You may have to repay early what you owe us and we may take legal proceedings against you to
recover any amounts outstanding under this Credit Agreement. We exchange information on your payment
performance under this Credit Agreement with credit reference agencies on an ongoing basis so it could also
have adverse effects to your credit rating, which may make it more difficult or expensive for you to get credit
in the future. It will also mean you are not eligible to sell your Equipment back to us under our Swap
equipment programmes.
7.2 If we obtain judgment against you we may seek to secure this judgment by way of charging order over your
home, which might ultimately result in your home being repossessed, or if you live in Scotland, an action for
payment, adjudication, inhibition, arrestment or sequestration.
8. Locking your Equipment
8.1 Under ‘Your contract for Sky Mobile services and equipment’ your Equipment may be locked to our
network. Please see the details set out there for more information about unlocking your Equipment
8.2 We may also lock your Equipment where we receive your instructions to do so or we reasonably suspect
fraud.
9. Your right of recovery
The credit is provided under this Credit Agreement to finance the purchase of the Equipment by you. If the
Equipment is not supplied by us or does not conform to ‘Your contract for Sky Mobile services and
equipment’ you have the right to seek redress from us. See ‘Your contract for Sky Mobile services and
equipment’ for more details.
10. Early repayment
10.1 You have the right to repay this Credit Agreement early, in full or in part, at any time. You must give us notice
by phone or in writing that you would like to make an early repayment - please see '‘How to get in touch with
Sky' below for our contact details.
10.2 If you are making full early repayment, you must pay to us all the amounts payable under this Credit
Agreement.
10.3 If you are repaying this Credit Agreement early in part, you must make the partial repayment before the end
of the period of 28 days beginning with the day following the day we receive your notice, or on or before any
later date specified in your notice.
10.4 Any early repayment (whether in full or in part) must be made by phone - please see 'How to get in touch
with Sky' below for our contact details.
10.5 If you repay part of the credit earlier than the date it is due, we will apply the early repayment to the last
Repayments you agreed to make until the early repayment has been exhausted. This means that the
duration of this Credit Agreement will be shorter but the amount of any monthly Repayments remaining will
stay the same.
11. How to get in touch with Sky (including if you have a complaint or dispute)
11.1 If you need to get in touch you can:
a) chat to one of our online advisors by visiting ‘Contact us’ in My Sky;

b) phone us on 03442 41 41 41. Calls to and from Sky may be recorded or monitored for training and other
purposes; or
c) write to us at Sky Subscribers Services Limited, PO Box 43, Livingston, West Lothian EH54 7DD. If you
are writing to us to about applying for a ‘Time Order’ please also send a copy to Sky UK Limited - Legal
Department, Grant Way, Isleworth, Middlesex TW7 5QD.
You will need to provide details of your Credit Agreement when you contact us.
11.2 We are committed to providing you with the best possible products and services, but we understand that
sometimes things do go wrong. In the unfortunate circumstance that you have a complaint please get in
touch with us straight away using the details above (please mark any letter you send us for the attention of
‘Customer Complaints’).
11.3 If you'd like to find out more about how we deal with your complaints and options for alternative dispute
resolution, read our 'Complaints Code of Practice' which you will find by visiting 'Complaints' in My Sky or by
going to sky.com/help/articles/sky-customer-complaints-code-of-practice.
11.4 Alternative dispute resolution services for Sky Mobile customers entering this Credit Agreement are provided
by the Financial Ombudsman Service (see condition 11.5 below).
11.5 You also have the right to complain to the Financial Ombudsman Service:
a) Write to them: Exchange Tower, London E14 9SR
b) Call them: 0800 023 4567
c) Go to their website: www.financial-ombudsman.org.uk/
d) Email them: complaint.info@financial-ombudsman.org.uk
12. Supervisory Authority
12.1 The supervisory authority for this Credit Agreement under the Consumer Credit Act 1974 is the Financial
Conduct Authority, 12 Endeavour Square, London E20 1JN.
Further Terms and Conditions

13. Repayments under the Credit Agreement
13.1 You must repay the amount of credit set out in condition 3 above (‘Key financial details (amount of credit
and repayments)’) by monthly Repayments in accordance with the repayment schedule we have agreed
(also set out in condition 3 above).
13.2 Unless we agree otherwise, you must have a continuous payment method set up with us at all times (for
example, direct debit), which we will use to take your Repayments on or around the date we agreed.
13.3 If you do not make the Repayments when they are due we will consider this a serious breach of this Credit
Agreement and may terminate it by giving you the required statutory default notice in writing. Please let us
know as soon as possible if you are having problems making your Repayments or think there is a mistake in
the Repayment amounts notified to you so that we can check this.
13.4 We will not charge you any late payment fee or any interest on any Repayment made late under this Credit
Agreement.
13.5 Your obligation to make Repayments under this Credit Agreement is not dependent on us providing any
goods or services other than the Equipment listed above.
13.6 You must make the Repayments due under this Credit Agreement without deduction, set-off or
counterclaim.
13.7 Unless you have asked us to apply them towards repaying your credit early (in full or in part) under condition
10 above, you acknowledge that any one-off payments you make to us will be applied first to amounts
outstanding under 'Your contract for Sky Mobile services and equipment' for which fees or interest will be
charged for late payment. After this, or if no fees or interest for late payment are charged, any one-off
payments you make to us will be applied to amounts which have been owing to Sky for the longest period of
time. If two amounts have been outstanding for the same length of time, any payments you make will be
used to repay the credit under this Credit Agreement first (with any remaining amounts being applied
towards your other Sky Mobile services).
13.8 If you take other products and services from us (for example, Sky TV or Sky Broadband), we will not take any
action to terminate or restrict those products or services if you do not make the Repayments when they are
due even if the contract for any such other products or services says otherwise.
14. Your right to end the Credit Agreement
You can end this Credit Agreement in a number of ways:
a) by exercising your right to withdraw from the Credit Agreement or ‘Your contract for Sky Mobile
services and equipment’ as described under condition 5 above;
b) by exercising your right to repay all or part of the credit under the Credit Agreement early as described
under condition 10 above.
15. Ending the Credit Agreement (including on default)
15.1 In addition to the consequences if you miss payments under the Credit Agreement (see conditions 7 and 13
above), we may end the Credit Agreement and require you to immediately repay the credit outstanding
(whether or not due for payment at that time) and any other charges which are due, by giving any required
statutory notice in writing, if you:
(a) fail to pay us a Repayment on the date it is due or within 7 days of the due date;
(b) break any of the conditions of the Credit Agreement in any other material way;
(c) break any condition of ‘Your contract for Sky Mobile services and equipment’ in any material way;
(d) (in the case of a breach which can be remedied) do not remedy a breach under conditions 15.1(a) – (c)
above within the period specified in a default or similar notice we send you;
(e) or anyone you authorise to deal with your Sky Mobile account acts in a way towards our staff or agents
which we reasonably consider to be inappropriate and sufficiently serious to justify ending your Credit
Agreement;
(f) become bankrupt or unable to pay your debts or if an interim order in bankruptcy is presented or
made (or, if you live in Scotland, entered into), or you become apparently insolvent, have a proposal for
a voluntary arrangement made in relation to you or (if you live in Scotland) you become sequestrated
or have a trustee in sequestration appointed or a grant of trust deed for the benefit of your creditors
is presented or made; or
(g) have provided unauthorised payment or other details or we have reasonable grounds to suspect
fraud, attempted fraud or any other unauthorised activity.
15.2 We can end this Credit Agreement and require you to immediately repay the credit outstanding (whether or
not due for payment at that time) if you end ‘Your contract for Sky Mobile services and equipment’ under
condition 8.6 or at any time during your minimum term (other than for one of the reasons in conditions 8.4 or
8.5) or we end 'Your contract for Sky Mobile services and equipment’ under conditions 8.7 or 8.9 and as a
result of this you no longer subscribe to any Sky Mobile services (including a Data Plan). We will give you
notice, including any required statutory notice, if we are going to do this and will tell you what you owe us.
There may also be early termination charges incurred by you under 'Your contract for Sky Mobile services
and equipment’ as a result of you ending it during your minimum term.
15.3 If we end the Credit Agreement under conditions 15.1 or 15.2 above it shall not affect your obligation to repay
any outstanding balance due to us but will result in you having to repay this to us sooner than agreed in
condition 3.1.
16 Changes to this Credit Agreement (including replacing your Equipment)
16.1 We may change or add to any of the conditions in the Further Terms and Conditions section of this Credit
Agreement to make them clearer or easier to understand or to reflect changes in law or regulation.
16.2 We may also change or add to any of the conditions in the Further Terms and Conditions section of this
Credit Agreement to update our contracts from time to time so all our customers are on the same conditions.
16.3 We will notify you in writing via a notice of variation (“NOV”) at least 31 days before any changes or additions
to these conditions come into effect unless we are required to make changes or additions immediately for
valid legal or regulatory reasons in which case we will give you as much notice as reasonably possible.
16.4 If you change your Equipment by exercising 'Your right to cancel your order’ or your Equipment is replaced
under 'Your contract for Sky Mobile services and equipment’ (for example, we replace your Equipment
because it is faulty or defective) but the same Equipment is not reasonably available and your amount of
credit and monthly Repayments stay the same, the replacement Equipment we supply will be at least
equivalent to the original Equipment. We may record this amendment by issuing a NOV and this Credit
Agreement will be deemed amended accordingly.
17. Notices
17.1 Unless otherwise agreed, you must provide us with an email address which we may use to keep you updated
about your Credit Agreement. You should check your email account regularly. We will treat notices sent to
your email address as effective even if you don't access your email account or you become disconnected
from it.
17.2 All contact and account details you provide us must be accurate and kept up to date.
17.3 Where we are required to provide you with statutory notices in paper form, we will do so by sending such
notices to your address as shown above or such other address as you have notified to us being the address
of your principal residence.
17.4 Where we are required to give you a document under the Consumer Credit Act 1974 we will do this by letter,
or by email to the email address shown above by setting out the contents of the document within the body
of that notice in the email in html form, or by sending it by PDF to your Message Centre (we'll alert you by
email or SMS if a notice has been added). If you are a Sky TV customer, the Message Centre may also be
available via a Sky TV box (Sky Q box only, when connected to broadband).
17.5 In all other cases where we are required under this Credit Agreement to give you notice in writing, we will give
you this notice by:
a) Letter, email or SMS; or
b) Where appropriate, via a message in the Message Centre (we'll alert you by email or SMS if a notice has
been added) or elsewhere in the area within our online customer account on sky.com, such as My Sky or on
your monthly bill.
A written notice may refer you to other widely available (written or non-written) means for specific details or
further information (for example, a free phone number). In all other cases where we are required to give you
notice, we may give you notice in writing or we'll notify you using another appropriate method including
during a phone call, on sky.com or, if you are also a Sky TV customer, on the Sky information channel the Sky
TV box tunes to when it is turned on.
17.6 If a notice given in writing is sent with any other document the notice will be clearly marked and, if sent by
post, on a separate sheet of paper.
17.7 Any notice you give us (other than where you are exercising your right to cancel during your cooling-off
period, for which see 'Right of withdrawal' above, or you are exercising your right to repay this Credit
Agreement early in full or in part, for which see condition 10.1 above) must be given by phone (03442 41 44
14) or by using one of our online messaging options on sky.com. Notice given by these means will be
processed immediately. You can also write to us (Sky Subscribers Services Limited, PO Box 43, Livingston,
West Lothian, EH54 7DD) or e-mail us via mysky@sky.uk. If notice is given by these means we may need to
verify account information before the notice is effective (and once verified the notice will be effective from
the date of the original notice). We will acknowledge written notices by return letter or email and will contact
you separately if we need to verify any account information.
17.8 Where you are required to give us a specific period of notice we may agree to a longer period of notice from
you but we can refuse this where reasonable to do so (for example where a longer period would be
complicated to administer).
18. General
18.1 If we don't exercise a right we have under this Credit Agreement, it does not mean that we have waived this
right.
18.2 If any provision of this Credit Agreement is found to be invalid or unenforceable, the remaining conditions will
continue to apply.
18.3 Sky and SSSL can transfer our rights and obligations under this Credit Agreement, and disclose your account
information, to any member of the Sky group of companies or any other company, firm or person either as a
variation to this Credit Agreement or as a new contract provided in either case this does not affect your
rights under this Credit Agreement in a negative way. Where a new contract will be entered into this will
become effective 31 days after we notify you in writing of the transfer.
18.4 Sky and SSSL can assign or transfer our rights under this Credit Agreement, and disclose your account
information, to any member of the Sky group of companies or any other company, firm or person provided
that this does not affect your rights under this Credit Agreement in a negative way.
18.5 This Credit Agreement is personal to you. You may not transfer your rights or obligations under this Credit
Agreement to anyone else unless we agree otherwise, and no third party is entitled to benefit under this
Credit Agreement except pursuant to condition 18.3 and 18.4 above.
18.6 The Credit Agreement is governed by English law, unless you live in Scotland or Northern Ireland, in which case
it will be governed by Scots law or Northern Irish law (as applicable). Any disputes under this Credit
Agreement shall be dealt with by the courts of the country whose law governs your Credit Agreement, unless
you live in Northern Ireland or Scotland in which case you can choose to bring a dispute before the courts in
your country or the English courts instead. We will only communicate with you in English in relation to this
Credit Agreement.
It is important that you have read and understood this Credit Agreement (including the terms and
conditions set out above) before you sign this Credit Agreement. If you are unsure or have any questions
about any aspect of this Credit Agreement (including the terms and conditions) please contact us or seek
independent advice.
By signing this Credit Agreement Signed for and on behalf of Sky Signed for and on behalf of Sky
(including the terms and conditions) UK Limited Subscribers Services Limited
you agree to be bound by it.
Customer signature:
Denise Allan Denise Allan
Managing Director Customer Service Managing Director Customer Service
Signed electronically by you.
Date of signature (the date that this Date of signature: Date of signature:
Credit Agreement is made):
21/09/2021 21/09/2021 21/09/2021
Pre-Contract Credit Information
1. Contact details
Creditor. Sky UK Limited ('Sky”) and Sky Subscribers Services Limited (“SSSL”).
Address. Grant Way, Isleworth, Middlesex, TW7 5QD.
Telephone 03442 41 41 41
number.
Web address. www.sky.com
2. Key features of the credit product
The type of credit. Fixed Sum Loan Agreement to finance the purchase of goods.
The total amount £1296.00
of credit.
This means the
amount of credit
to be provided
under the
proposed credit
agreement or the
credit limit.
How and when We will provide the credit stated in the Credit Agreement by applying it in full or partial
credit would be payment of the cash price of the Equipment. We will do this when the Equipment is supplied
provided. to you under 'Your contract for Sky Mobile services and equipment.’
The duration of The Credit Agreement is made on the date you sign it and unless terminated earlier in
the credit accordance with its terms, the duration is 36 months from the date on which the first of the
agreement. repayments is due to be paid.
Repayments. You must make the following repayments at monthly intervals:
• £40.00 for 24 months,
• £28.00 for 12 months.
The first repayment will be payable on a date set by us or the date we agree, and will be
confirmed to you in writing.
The total amount Total amount payable: £1296.00
you will have to (consisting of a total amount of credit of £1296.00 and an upfront payment of £0.00)
pay.
This means the
amount you have
borrowed plus
interest and other
costs.
The proposed
credit will be
linked to the
supply of specific
goods or the
provision of a
service
Description of Apple iPhone 13 Pro Max Gold 256GB (“Equipment”).

goods.
Cash price Total cash price

£1296.00
3. Costs of the Credit
The rates of 0% per annum

interest which
apply to the credit
agreement.
Annual 0% APR
Percentage Rate
of Charge (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
Costs in the case We will not charge you any late payment fee or interest on any late or missed payments under
of late payments. the Credit Agreement.
Consequences of Missing payments could have serious consequences.
missing payments.
It could adversely affect your credit records, which may make it more difficult or more
expensive to obtain credit in the future.
You may also be required to repay the amount outstanding under your loan in full ahead of
the scheduled repayments.
If you fall behind on your repayments we will refer you to our internal team who will work with
you to help you catch up on your missed repayments.
Continued failure to make the repayments could result in legal proceedings (including
bankruptcy proceedings, or sequestration proceedings if you live in Scotland) being taken
against you to recover any amounts outstanding under the Credit Agreement. If we obtain
judgment against you we may seek to secure this judgment by way of charging order over
your home, which might ultimately result in your home being repossessed, or if you live in
Scotland we may seek to enforce this judgment by way of an action for payment, inhibition,
adjudication or arrestment which can have the effect of freezing and/or seizing your assets.
We may also use a debt collection agency to recover what you owe.
Missing payments will also mean you are not eligible to sell your Equipment back to us under
our Swap equipment programmes.
What if I miss payments under 'Your contract for Sky Mobile services and equipment’?
You will have to repay the amount of credit early if 'Your contract for Sky Mobile services and
equipment’ comes to an end (for example because you've missed payments due under that
contract) before you have paid all repayments due under the Credit Agreement.
4. Other important legal aspects
Right of You have the right to withdraw from the Credit Agreement, without giving any reason, by
withdrawal. notifying us within 14 days beginning with the day after:
(a) the day on which the Credit Agreement is made;
(b) the day on which you receive your Equipment; or
(c) the day we give you a signed copy of the Credit Agreement (whichever is later).
Early repayment. You have a right to repay all or part of the credit early at any time.
Consultation with If we decide not to proceed with your credit application on the basis of information provided
a Credit Reference to us by a credit reference agency, we will, when informing you of this decision, let you know
Agency. this is the reason why we will not be proceeding with your application and also give you the
contact details of the credit reference agency.
Right to a draft You have the right, upon request, to receive a copy of the draft Credit Agreement free of
credit agreement. charge, unless we are unwilling to proceed to the conclusion of the Credit Agreement.
The period of time This pre-contract information is valid for 14 days from the day on which it is provided to you.
during which the
creditor is bound
by the pre-
contractual
information.
5. Additional information in the case of distance marketing of financial services
(a) concerning the creditor
Registration Sky's FCA Authorisation Number: 712293

number.
The supervisory The Financial Conduct Authority

authority.
(b) concerning the credit agreement
The law taken by English

the creditor as a
basis for the
establishment of
relations with you
before the
conclusion of the
credit agreement.
The law applicable The terms and conditions of the Credit Agreement are governed by English law, unless you
to the credit live in Scotland or Northern Ireland, in which case it will be governed by Scots law or Northern
agreement and/or Irish law (as applicable). Any disputes under this Credit Agreement shall be dealt with by the
the competent courts of the country whose law governs your Credit Agreement, unless you live in Northern
court. Ireland or Scotland in which case you can choose to bring a dispute before the courts in your
country or the English courts instead.
Language to be All communications that we send you (including the Credit Agreement and any other terms
used in connection and conditions) will be in English.
with the credit
agreement.
(c) concerning redress
Access to out-of- If you have a complaint, please:

court complaint
and redress • Calling us on 03442 41 41 41; or
mechanism. • write to us at Sky Subscribers Services Limited, PO Box 43, Livingston, West
Lothian, EH54 7DD; or
• go online to chat to one of our Live Chat advisors by visiting 'Contact us’ in My Sky,
We will aim to resolve your complaint as quickly as possible. If you're still not happy you have
the right to refer your complaint to the Financial Ombudsman Service, Exchange Tower,
London E14 9SR. Their telephone number is 0207 964 1000, website is www.financial-
ombudsman.org.uk/ and email address is complaint.info@financial-ombudsman.org.uk.
Sky UK Limited and Sky Subscribers Services Limited
KEY INFORMATION ABOUT YOUR CREDIT AGREEMENT
This Key Information document contains important information about your Credit Agreement with Sky UK Limited
(“Sky”) (FCA Authorisation Number 712293) and Sky Subscribers Services Limited (“SSSL”) including your legal
rights and obligations under it. In this document “we”, “our” and “us” are references to Sky and other members of
the Sky group.
You should carefully consider the information in this document together with the accompanying Pre-
Contract Credit Information. The Pre-Contract Credit Information tells you the amount of credit you will
take out and your monthly repayments.
The purpose of the Pre-Contract Credit Information and this document is to help you decide whether you wish to
take out a loan and enter into a Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 (“Credit
Agreement”) with us to finance your purchase of a mobile phone or tablet device (defined in the Credit Agreement
as “Equipment”) from us, given your needs and financial situation. You will also be agreeing to our contract for Sky
Mobile services and equipment in order to purchase the Equipment and receive the Sky Mobile services (“Your
contract for Sky Mobile services and equipment”).
You can also have a copy of the Credit Agreement and 'Your contract for Sky Mobile services and equipment’ to
consider before you enter into an agreement with us. If you still have any questions after you read this document
or the Pre-Contract Credit Information, the Credit Agreement, or 'Your contract for Sky Mobile services and
equipment’ please contact us in any of the ways shown at the end of this document.
1. What is a “Fixed Sum Loan Agreement”?
A "Fixed Sum Loan Agreement” is a fixed-sum loan provided to you under a Credit Agreement with Sky and SSSL
which can only be used to finance your purchase of Equipment from us. We will not charge you any interest or set-
up charge on a Credit Agreement. You should be aware that if you decide to withdraw from your Credit Agreement
we will treat the Credit Agreement as if it had never been entered into – see 'What if I change my mind?’ below.
2. How will the repayments be collected?
We will collect your repayments by continuous payment method. If you wish to make an earlier repayment in full or
in part please let us know and we can arrange to take payment from you.
3. What happens if I fail to make the repayments under the Credit Agreement?
Missing repayments could have serious consequences.
It could adversely affect your credit records, which may make it more difficult or more expensive to obtain credit in
the future.
You may also be required to repay the amount outstanding under your loan in full ahead of the scheduled
repayments.
If you fall behind on your repayments we will refer you to our internal team who will work with you to help you catch
up on your missed repayments.
Continued failure to make the repayments could result in legal proceedings (including, as a last resort, bankruptcy
proceedings or sequestration proceedings if you live in Scotland) being taken against you to recover any amounts
outstanding under the Credit Agreement. If we obtain judgment against you we may seek to secure this judgment
by way of charging order over your home, which might ultimately result in your home being repossessed, or if you
live in Scotland we may seek to enforce this judgment by way of an action for payment, inhibition, adjudication or
arrestment which can have the effect of freezing and/or seizing your assets.
We may also need to refer your case to a debt collection agency which will be responsible for collecting any
outstanding repayments from you.
Missing repayments will also mean you are not eligible to sell your Equipment back to us under our Swap
equipment programmes.
What if I miss payments under 'Your contract for Sky Mobile services and equipment’?
You will have to repay the amount of credit early if 'Your contract for Sky Mobile services and equipment’ comes to
an end (for example because you've missed payments due under that contract) before you have paid all
repayments due under the Credit Agreement.
4. What happens if I fail to make the payments due under 'Your contract for Sky Mobile services and
equipment’?
You will also have to repay the outstanding amount of credit early if 'Your contract for Sky Mobile services and
equipment’ comes to an end (for example because you've missed payments due under that contract) before you
have paid all repayments due under the Credit Agreement.
5. What are my rights?
Your rights include entitlement to: certain pre-contract credit information and explanations; a copy of the Credit
Agreement; annual statements of account; and a statement of account on request. You also have a right to
withdraw from your Credit Agreement within 14 days, and repay the amount of credit early in full or in part at any
time.
Also, if we choose not to proceed with your application for credit on the basis of information provided to us by a
credit reference agency, we must inform you of this and give you the details of that credit reference agency.
6. What if I change my mind?
You have the right to withdraw from the Credit Agreement, without giving any reason, by notifying us within 14 days
beginning with the day after
(a) the day on which the Credit Agreement is made;
(b) the day on which you receive your Equipment; or
(c) the day we give you a signed copy of the Credit Agreement (whichever is later).
You can tell us that you wish to cancel by:
• phone (03300 41 25 24);

• visiting the “Contact Us” section at sky.com and completing the online cancellation form or using
Live Chat to speak to one of our advisors;
• writing to us at Sky Subscribers Services Limited, PO Box 43, Livingston, West Lothian, EH54
7DD; or
• email (MDThorndike@sky.uk).
If you decide to withdraw from your Credit Agreement we will treat the Credit Agreement as if it had never been
entered into. If you withdraw from the Credit Agreement and do not return your Equipment to us as a result of
exercising your cancellation rights for your Equipment (which are different to your right to withdraw from the
Credit Agreement), or are outside the cancellation period, you will have to repay the amount of credit in full to
purchase the Equipment outright. You must do this without delay and, in any event, no later than 30 days after
the day you gave us notice of withdrawal. If do not want to purchase the Equipment and want to return it to us,
you must also exercise your rights to cancel your order under 'Your contract for Sky Mobile services and
equipment’, take reasonable care of the Equipment and return it to us in accordance with our instructions
Your Credit Agreement is made on the day you sign it and we will provide you with a copy of the executed Credit
Agreement.
QUESTIONS? NEED MORE INFORMATION?
You should consider this document, together with the Pre-Contract Credit Information, the Credit Agreement and
'Your contract for Sky Mobile services and equipment’ carefully and make sure that you understand them. If you
have any questions or if you would like further information or explanation about your Credit Agreement, or any
other document, you can:
- Chat to one of our online advisors by visiting 'Contact us’ in My Sky;
- Phone us on 03442 41 41 41. Calls to and from Sky may be recorded or monitored for training and other
purposes; or
- Write to us at Sky Subscribers Services Limited, PO Box 43, Livingston, West Lothian EH54 7DD.
You will need to provide details of your Credit Agreement when you contact us.

Download

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Download

Uploaded by

Copyright:

Available Formats

Mr Saud malik Al-sadeed

1. Parties to this Credit Agreement

2. Description of Goods purchased

Goods/Equipment: Apple iPhone 13 Pro Max Gold 256GB

3. Key financial details (amount of credit and repayments)

3.1 The following key terms apply to this Credit Agreement:

Total amount of The total amount of credit is £1296.00.

Interest: 0% per annum

Total amount you £1296.00 (total amount of credit + upfront payment)

• £40.00 for 24 months, followed by

• £28.00 for 12 months. ("Repayments")

4. Duration of this Credit Agreement

5. Right of withdrawal ("cooling off")

7. Consequences of missing payments

8. Locking your Equipment

9. Your right of recovery

11.1 If you need to get in touch you can:

a) chat to one of our online advisors by visiting ‘Contact us’ in My Sky;

12. Supervisory Authority

Further Terms and Conditions

14. Your right to end the Credit Agreement

You can end this Credit Agreement in a number of ways:

15. Ending the Credit Agreement (including on default)

2. Key features of the credit product

Description of Apple iPhone 13 Pro Max Gold 256GB (“Equipment”).

Cash price Total cash price

3. Costs of the Credit

The rates of 0% per annum

This is the total

4. Other important legal aspects

(a) concerning the creditor

Registration Sky's FCA Authorisation Number: 712293

The supervisory The Financial Conduct Authority

(b) concerning the credit agreement

The law taken by English

Access to out-of- If you have a complaint, please:

KEY INFORMATION ABOUT YOUR CREDIT AGREEMENT

1. What is a “Fixed Sum Loan Agreement”?

2. How will the repayments be collected?

Missing repayments could have serious consequences.

5. What are my rights?

6. What if I change my mind?

(a) the day on which the Credit Agreement is made;

(b) the day on which you receive your Equipment; or

You can tell us that you wish to cancel by:

• phone (03300 41 25 24);

- Chat to one of our online advisors by visiting 'Contact us’ in My Sky;

You might also like