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PRE-CONTRACT CREDIT INFORMATION

(Standard European Consumer Credit Information)
1. Contact Details
Creditor
Telefnica UK Limited
Address
260 Bath Road, Slough, Berks SL1 4DX
Telephone Number(s)
0844 809 0202
2. Key features of the credit product

The type of credit
Fixed Sum Loan Agreement to finance the purchase

of goods or services
The total amount of credit. (this means the amount of

credit to be provided under the proposed credit
agreement or the credit limit)
720.00
How and when credit would be provided
In order to obtain the goods on credit on the terms

and conditions marketed, you must take out a Pay
Monthly Mobile Agreement (including the Equipment
Agreement) which covers the terms and conditions
relating to the provision of airtime services (including,
for example, the costs of your calls / texts /data on the
O2 Network) and other related services. The terms
and aggregate monthly payments under the airtime
services agreement will be the same as if you were
purchasing the goods described below for cash.
We will provide the credit by applying the total amount
of credit in payment or partial payment of the cash
price of the goods shown below. We will do so once
you have (a) signed the credit agreement and the
airtime agreement; or (b) (if later) such time as the
goods are supplied to you by us or the supplier (as
applicable).
The duration of the credit agreement
24 months from when the credit agreement is made

or 24 months from the date upon which we agree the
first instalment is paid, whichever is the later.
Repayments
You must make 24 repayments of 30.00 at monthly

intervals, the first of which will be payable on a date
set by us or agreed between you and us.
The total amount you will have to 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 specific services
789.99
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Description of goods
Apple iPhone 6 Plus 64GB Gold
Cash price
789.99
3. Cost of the credit

The rates of interest which apply to the credit
agreement
The rate of interest is 0.00% per annum. _This rate is

fixed for the duration of the credit agreement.
Annual 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.)
0.00%. The total amount payable under the credit

agreement is not greater than the cash price of the
goods at paragraph 2, above.
Costs in the case of late payment
You will indemnify us in respect of our reasonable

costs (including legal costs) of collecting unpaid sums
or otherwise enforcing the credit agreement. There
are also the following charges for late or missed
payments:
5.00 Late payment charge (to cover printing and
outsourcing of default notices and arrears notices
required by law.
The rate of interest charged on late payments is 0%.
Consequences of missing payments
Missing payments could have serious consequences.

You may have to repay what you owe early. Your
credit records may be affected making it harder or
more expensive to borrow again. It could result in
legal proceedings (including bankruptcy proceedings)
being taken against you to recover what you owe. We
may also take action under your Pay Monthly Mobile
Agreement, such as barring or disconnecting your
airtime service as a result of you missing repayments
under the credit agreement or your Pay Monthly
Mobile Agreement. In certain circumstances, such as
where we receive your instructions to do so or we
reasonably suspect fraud, we may disable or lock the
goods outlined above.
4. Other important legal aspects

Right of withdrawal
You have the right to withdraw from the credit

agreement before the end of 14 days beginning with
the day after the day on which the credit agreement is
made or (if later) when you receive the goods.
Early repayment
You have a right to repay all or part of the credit early

at any time. You must give us notice of your intention
to do so.
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Consultation with a Credit Reference Agency.
If we decided not to proceed with the prospective

credit agreement on the basis of information from a
credit reference agency we must, when informing you
of the decision, inform you that it has been reached
on the basis of information from a credit reference
agency and of the particulars of that agency.
Right to a draft credit agreement.
You have a right, upon request, to obtain a copy of

the draft credit agreement free of charge, unless we
are unwilling at the time of the request to proceed to
the conclusion of the credit agreement.
The period of time during which the creditor is bound

by the pre-contract information.
We will honour this pre-contract information on the

same business day you have been provided with it,
being 26/01/2015. After that business day, this
pre-contract information will not be a guarantee of the
cash price or the amount of credit and you may be
provided with new pre-contract information before
concluding a credit agreement.
5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor
Registration number.
Consumer credit licence number 0518589
The supervisory authority.
Telefnica UK Limited is authorised and and

regulated by the Financial Conduct Authority.
(b) concerning the credit agreement

The law taken by the creditor as a basis for the
establishment of relations with you before the
conclusion of the credit agreement.
The laws of England and Wales
The law applicable to the credit agreement and/or the

competent court.
The laws of England and Wales will govern the

contract and disputes will be referred to the
non-exclusive jurisdiction of the courts of the UK
Language to be used in connection with the credit

agreement.
At all times we will communicate with you exclusively

in English.
(c) concerning redress

Access to out-of-court complaint and redress
mechanism.
If you are dissatisfied in relation to the agreement,

please phone us on one of the numbers listed below,
write to us or submit a complaint online.
Call Customer Services from your O2 mobile on 202
(free); from a landline on 03448090202; from abroad
+44 344 809 0202 (free from O2 mobile).
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You have the right to contact your local Trading

Standards or the Citizens Advice Bureau.
You also have the right to contact the Financial
Ombudsman Service at South Quay Plaza, 183
Marsh Wall, London, E14 9SR. Telephone Number
0207 964 1000 and
complaint.info@financial-ombudsman.org.uk

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Page 1 of 4

PRE-CONTRACT CREDIT INFORMATION

260 Bath Road, Slough, Berks SL1 4DX

0844 809 0202

2. Key features of the credit product

Fixed Sum Loan Agreement to finance the purchase

The total amount of credit. (this means the amount of

How and when credit would be provided

In order to obtain the goods on credit on the terms

The duration of the credit agreement

24 months from when the credit agreement is made

You must make 24 repayments of 30.00 at monthly

The total amount you will have to pay

PRE-CONTRACT CREDIT INFORMATION

Apple iPhone 6 Plus 64GB Gold

3. Cost of the credit

The rate of interest is 0.00% per annum. _This rate is

Annual Percentage Rate of Charge (APR). (this is the

0.00%. The total amount payable under the credit

Costs in the case of late payment

You will indemnify us in respect of our reasonable

Consequences of missing payments

Missing payments could have serious consequences.

4. Other important legal aspects

You have the right to withdraw from the credit

You have a right to repay all or part of the credit early

PRE-CONTRACT CREDIT INFORMATION

Consultation with a Credit Reference Agency.

If we decided not to proceed with the prospective

Right to a draft credit agreement.

You have a right, upon request, to obtain a copy of

The period of time during which the creditor is bound

We will honour this pre-contract information on the

5. Additional information in the case of distance marketing of financial services

Consumer credit licence number 0518589

The supervisory authority.

Telefnica UK Limited is authorised and and

(b) concerning the credit agreement

The laws of England and Wales

The law applicable to the credit agreement and/or the

The laws of England and Wales will govern the

Language to be used in connection with the credit

At all times we will communicate with you exclusively

(c) concerning redress

If you are dissatisfied in relation to the agreement,

PRE-CONTRACT CREDIT INFORMATION

You have the right to contact your local Trading

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