Holiday Park Holiday Home Ownership Code of Practice

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Holiday Park Holiday Home Ownership Code of Practice"

Transcription

1 The UK trade body for the tourer, motorhome, holiday home ad park home idustries Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday Homes, the agreemet to occupy a pitch o a holiday park ad the provisio of warraty ad maiteace services APPROVED Holiday Park Holiday Home Owership

2 Idex Page No. Foreword from the NCC...3 Our Members Advice ad Recommedatios to You...4 The Holiday Park - Holiday Home Owership Code of Practice: Our Members Commitmet to You Marketig ad Advertisig Sales, Warraties ad Maiteace Right to ad terms of the Licece Agreemet Occupacy of the pitch Pricig iformatio, pitch fees ad other charges Chages i arragemets o a park Resale of the Holiday Home Removal of the Holiday Home from the pitch or holiday park Givig or bequeathig the Holiday Home to family members Complait Hadlig...12 Explaatory Notes, Copyright ad Cotact Iformatio...14 Appedix 1 - Defiitios...15 Page 2 Holiday Park - Holiday Home Owership Code of Practice

3 Foreword from the Director Geeral of the NCC The NCC is the UK trade body for the tourer, motorhome, holiday home ad park home idustries. Fouded i 1939 our membership ecompasses all sectors of the idustry: park owers, maufacturers, dealerships ad distributors ad specialist suppliers of products ad services. We also fouded, ad are a key member of, the Europea Carava Federatio, which promotes ad stregthes the idustry withi the Europea Commuity. Our visio is for a self-regulated, efficiet ad competitive UK market ad idustry that treats cosumers fairly, delivers high levels of customer satisfactio ad provides full protectio ad access to redress should this be eeded. To help us achieve this, the NCC has developed this Code of Practice as the basis of the NCC Approved Holiday Park - Holiday Home Owership scheme. It is primarily for the beefit ad protectio of Holiday Home Owers settig out the priciples of good practice ad miimum stadards that must be followed by scheme members whe sellig ew ad preowed Holiday Homes, whe issuig a Licece Agreemet to occupy a Holiday Home pitch ad whe providig warraty ad maiteace services. I additio, it acts as a bechmark of best practice agaist which scheme members performace towards meetig the Code ca be assessed. Please remember that the Code should be read i cojuctio with the Purchase ad Licece Agreemets that you will sig whe makig your purchase. A key feature of the scheme is the NCC Approved Holiday Park - Holiday Home Owership logo which scheme members ca use o their premises, website, advertisig or promotioal materials oly whe they have bee idepedetly assessed ad have achieved approved status. It is desiged so that you ca easily recogise busiesses that have bee assessed agaist ad meet this Code of Practice. We recommed you always look for the logo whe cosiderig ay purchase ad always check o our website for a defiitive ad curret list of members who have achieved approval. O the followig pages, you will fid outlied the commitmets our scheme members make to you. I recogisig the importat role that you, as a cosumer, have i the buyig ad sellig process, they also offer you valuable advice ad recommedatios to make sure you get the right Holiday Home you wat ad the best possible service. We commed this Code of Practice to you ad wish you may happy years i your Holiday Home o the park of your choice. Yours faithfully Joh Lally NCC Director Geeral Holiday Park - Holiday Home Owership Code of Practice Page 3

4 Our members advice ad recommedatios to you 1. Geeral If aythig is ot clear to you, at ay stage of your dealigs with us, please clarify it with us or take advice as ecessary before you commit yourself to ay trasactio. Ad to allow us to serve you best, please co-operate fully ad opely with us at all times. 2. Research before buyig Likely Usage - Try to defie what you will maily use the Holiday Home for (e.g. ow use, family use, hirig out, seasoal use, etc., all of which may ifluece the specificatio of your Holiday Home) Ruig Costs Remember to take ito accout aual charges such as pitch fees ad rates, ad aual ruig costs (e.g. gas, electricity, water, isurace, witerisatio, safety checks etc.). Suitability - Research the ew or pre-owed Holiday Home you are cosiderig purchasig as well as the park, to esure that both meet your expectatios: i other words, suit your requiremets ad budget. New or Pre-owed? - Cosider whether you wat to buy a ew or a pre-owed Holiday Home. Offers - Research product offers as widely as possible. 3. Orderig ad hadover of your holiday home Special Needs Please iform us of ay special eeds or additioal requiremets as we caot provide advice o the suitability of a Holiday Home model for ay particular purpose if you have ot explaied your eeds to us (e.g.: disability requiremets, Frech doors, etc.). Specificatio - Check that the specificatio ad appearace of the Holiday Home you are orderig from us matches your requiremets, as some features are ofte optioal or substitutable extras. The Purchase ad Licece Agreemets Remember that these are legally bidig documets ad some terms may be egotiable (e.g.: part exchage value, rate of commissio, Agreemet Period). Orderig a pre-owed Holiday Home - Ask to see, ad obtai copies of, the relevat safety check certificates for ay pre-owed Holiday Home you ited to purchase. Hadover - Esure you are aware of ad fully uderstad all aspects aroud the hadover procedure, warraties ad warraty procedures ad clarify with us aythig o which you would like ay additioal explaatio. Deposits - Whe makig a deposit, make sure everythig is clear to you, or take advice as ecessary to uderstad how it is secured, the legth of the coolig off period ad the cacellatio terms. Page 4 Holiday Park - Holiday Home Owership Code of Practice

5 Our members advice ad recommedatios to you 4. The licece agreemet ad your time o the park Terms ad Coditios - Familiarise yourself with all the terms ad coditios i the Agreemet, the Park Rules, ay site licece coditios, all related documets/iformatio ad all aspects coverig aual fees ad charges, procedures, occupacy (teure) ad arragemets relatig to chages o the park. Please also remember that the obligatios placed o us by the Local Authority Site Licece may be subject to chage which may affect the terms ad coditios or park facilities/ameities. The Licece Agreemet Remember that this is a legally bidig documet. Holiday Home Ower Sigatures - The Agreemet must be siged by all the amed owers of the Holiday Home. Isurace Research isurace to esure you choose the policy ad supplier that best meets your eeds ad also take ito accout ay special requiremets (e.g. witerisatio). Maiteace - Cosider your likely usage of the Holiday Home ad the eed to keep it properly maitaied ad i good coditio, i accordace with the maufacturers istructios ad the appropriate health ad safety requiremets icludig the precautios eeded for witer weather. No-permaet residece - Remember that you must ot use the Holiday Home as your permaet UK residece uder ay circumstaces, eve if the park has a 12 moth site licece. Behaviour Remember your resposibilities regardig o-site behaviour icludig respect of the privacy ad rights of others o the park. Chage of Address You must keep us iformed of ay chage to your permaet residetial address ad provide proof of this address o request. 5. Sellig or bequeathig your holiday home Commissio arragemets - Esure that you are aware of ad fully uderstad, all aspects of the sales process ad the commissio arragemets that you, as the seller, are resposible for upo the resale of your Holiday Home as set out i the Licece Agreemet. Notificatio - Remember your obligatios uder the Licece Agreemet to keep us iformed if you are itedig to put the Holiday Home o the market or if you subsequetly decide to take it off the market. Safety check certificates - Esure you comply with all the requiremets for havig valid utility/appliace safety check certificates whe sellig the home. Givig or bequeathig your Holiday Home - Remember that this procedure does ot affect your right, or those of your persoal represetative(s) or executors, to sell the Holiday Home accordig to the procedure detailed i the Licece Agreemet. Holiday Park - Holiday Home Owership Code of Practice Page 5

6 Our members advice ad recommedatios to you 6. Removal of your holiday home from the pitch or park Circumstaces leadig to removal - Familiarise yourself with all the various aspects ad circumstaces relatig to removal of your Holiday Home from the pitch, what may costitute a breach of the Licece Agreemet ad/or the Park Rules ad the cosequeces of this. Rights ad Procedures - Familiarise yourself with your rights ad obligatios icludig: a. Writte otice periods if you ited to give up your pitch or if there is some breach of obligatio o our part. b. Your right to take further actio agaist us if we are prove to be i breach of our obligatios uder the Licece Agreemet. c. Arragemets for the removal of the Holiday Home ad all other property from the Park withi oe moth after termiatio of the Licece Agreemet. d. Paymet for removig the Holiday Home from the Park. 7. I case of problems Let us kow - We uderstad that there may be times that you are ot happy with the service we provide ad may wish to make a complait. To help us address these promptly ad effectively, please refer the matter to us i the first istace, preferably i writig. Our respose As a coditio of this Code of Practice, we maitai a writte complaits procedure ad we advise you to familiarise yourself with it so that you kow how we will deal with ad respod to ay complait. Time to complete agreed actios - Remember that although we may be able to issue a respose or fial decisio to a complait withi the set timescales, this does ot automatically mea that we are able to complete ay agreed remedial actio withi the same timescales (e.g. we may be reliat o parts supply from a third party, etc.). If you remai dissatisfied - If we have issued our respose ad/or fial decisio ad you remai dissatisfied, or we have failed to respod withi the specified timescales, you may refer the matter to the NCC Iformal Dispute Resolutio Service. If that service fails to resolve the complait, it ca be escalated to the Idepedet Case Examier (the Examier). Other meas of redress - Please remember that, while the Examier s fial decisio will be bidig o both you ad us, you are free to seek other legal meas of redress if you wish to do so - either before or after your complait has bee cosidered. Please ote though that the outcome/decisio of ay case may be take ito accout by ay other redress provider (e.g. Arbitrator/other Idepedet Case Examier/ Ombudsma) ad vice versa. Further Iformatio For additioal iformatio about complait hadlig, please refer to Chapter 10 of the Code ad/or the guidace o the Code website. ( Page 6 Holiday Park - Holiday Home Owership Code of Practice

7 Our members commitmet to you I additio to the mai provisios withi this Code, we will: Satisfy the criteria for membership of the NCC Comply with all the provisios of this Code Display the NCC Approved Holiday Park - Holiday Home Owership scheme logo i our marketig ad o our website to cofirm our approved status Comply with, ad explai, the terms of the Licece Agreemet we issue to you Maitai adequate ad appropriate isurace to protect you Esure that staff are suitably qualified i their roles ad are fully aware of, ad comply with, all our resposibilities uder this Code Esure that our busiess, its products ad services comply with idustry rules, stadards ad agreemets ad all relevat laws ad statutory regulatios Have i place, adopt, ad regularly review writte policies ad procedures for key busiess aspects such as customer service, complaits hadlig ad Health ad Safety Be authorised by the appropriate authority where ecessary, (e.g. Fiacial Services Authority) to carry out ay regulated fiacial activities Comply with Data Protectio requiremets ad esure that customers details will ot be passed to ayoe without their express permissio Esure that the operatio of the Park follows the coditios laid dow by the Local Authority i the Plaig Coset ad Site Licece Clearly display ad draw to your attetio the mai provisios of the Site Licece ad Park Rules Esure ay limitatios o the use (e.g.: holiday use oly) of the Holiday Home are show i the Licece Agreemet ad explaied to you Regularly review the quality of services provided by ay subcotractors Comply with the spirit of this Code, act with itegrity by coductig our busiess i a hoest, fair ad professioal maer, exercise due care, skill ad diligece ad ot brig the Code or scheme ito disrepute Moitor compliace with the Code at least aually ad facilitate NCC assessmets o a regular basis Carry out regular customer satisfactio surveys ad respod positively to ay feedback as part of a cotiuous improvemet philosophy Holiday Park - Holiday Home Owership Code of Practice Page 7

8 Our members commitmet to you 1. Marketig ad Advertisig 1. Our marketig will feature the curret NCC Approved scheme logo. 2. We will esure there is othig cofusig or misleadig i our marketig ad advertisig, promotios or publicatios (icludig ay comparisos with other Park Owers). 3. We will esure our marketig ad advertisig is clear ad accurate. 4. We will esure we comply fully with all legislatio ad regulatios relevat to marketig ad advertisig. 5. Where marketig ad advertisig refer to guaratee or warraty, we will esure full warraty terms are available. Your statutory rights will ot be affected. 2. Sales, Warraties ad Maiteace 1. We will esure our sales staff ad/or sales agets do ot give sales advice, or use techiques, which place udue or improper pressure o you ad if you are a vulerable customer, we will meet your eeds appropriately. 2. We will esure that all ew ad pre-owed Holiday Homes we sell are models that have bee approved uder the NCC Product Approval Scheme (or prior certificatio scheme), uless expressly advised to you i writig. 3. Upo orderig, we will issue you with either a completed copy of the NCC model Purchase Agreemet, or our ow Purchase Agreemet based o, ad cotaiig o less favourable terms tha, the NCC model Purchase Agreemet. 4. We will clearly display our prices ad, i accordace with the Price Markig Order 2004, will state ad properly explai to you the price of the Holiday Home itself, what is/is ot icluded i the sellig price ad the o-goig, aual costs of owership. 5. We will coduct a fully documeted hadover o the sale of ew ad pre-owed Holiday Homes ad esure you are aware of, ad uderstad, the warraty ad maiteace services available. New Holiday Homes a. At the poit of hadover we will give you the maufacturer s Holiday Home hadbook ad the maufacturer s Holiday Home warraty documet ad draw your attetio to its mai provisios. b. We will esure the warraty documet icludes claims procedures, cotact iformatio, ad details items specifically icluded i, or excluded from, its provisios. Your statutory rights will ot be affected. c. We will trasfer the uexpired portio of ay maufacturer s ew Holiday Home warraty to a subsequet ower at o cost to the ew ower. Where repair work is required uder the warraty it may be carried out by us or our Distributor represetative staff if authorised by the maufacturer. A repairer who has ot bee authorised by the maufacturer may ot carry out work as the warraty may be ivalidated if this happes. Page 8 Holiday Park - Holiday Home Owership Code of Practice

9 Our members commitmet to you d. I the evet that a Holiday Home is uusable for a exteded period to fix warraty faults, we will ask the maufacturer to exted the warraty period. Your statutory rights will ot be affected. e. We will ot charge you for repairs uder a maufacturer s warraty. Pre-owed Holiday Homes f. We will clearly state, as a coditio of sale, whether a maufacturer s warraty has expired o a pre-owed Holiday Home. g. If we offer our ow warraty, we will esure it icludes claims procedures, cotact iformatio, ad clearly states items ad charges specifically icluded i, or excluded from, its provisios. The warraty will ot affect your statutory rights. h. We will esure that all pre-owed Holiday Homes offered for sale have bee safety checked by suitably qualified cotractors (e.g.: Gas Safe registered, CITO Electrical Test ad Ispectio for Parks traied ad assessed, appropriate City ad Guilds qualified, etc.) ad have valid safety check certificates. 6 We will cotiue to provide you with support ad assistace followig the purchase of your Holiday Home ad liaise with maufacturers o your behalf both durig ad outside the warraty period. 3. Right to ad terms of the Licece Agreemet 1. I additio to the Purchase Agreemet, we will issue you with a Licece Agreemet to occupy a holiday pitch o the park ad a copy of the Park Rules before you eter ito ay legally bidig agreemet. 2. We will explai the mai provisios of the Park Rules to you. 3. The Agreemet will be persoal to you ad ot capable of assigmet or trasmissio by you. 4. We will esure that this Agreemet complies with all relevat cosumer legislatio ad regulatios ad the provisios of this Code ad, i particular, the terms relatig to occupacy. 4. Occupacy of the pitch 1. The Licece Agreemet we give to all purchasers of ew ad pre-owed Holiday Homes will clearly state the Agreemet Period. 2. O the sale of a ew Holiday Home we will offer you a Agreemet Period of ot less tha te years from the date you purchase your Holiday Home. 3. I the case of a pre-owed Holiday Home beig sold by us, we will give you a Agreemet Period of ot less tha the balace of the Agreemet Period from the date the Holiday Home was first purchased by a cosumer. Holiday Park - Holiday Home Owership Code of Practice Page 9

10 Our members commitmet to you 4. Where we, as a member of the NCC Approved Holiday Park - Holiday Home Owership scheme: a. Buy a park where the Holiday Home Owers are without the beefit of a Licece Agreemet, we will give all owers a Agreemet ad cosider offerig a Agreemet Period of ot less tha the uexpired period from the date the Holiday Home was first purchased by a cosumer. b. Buy a park where some, or all, the Holiday Home Owers have the beefit of a existig Licece Agreemet, we will cosider offerig all owers a ew Agreemet ad cosider a Agreemet Period of ot less tha the uexpired period from the date the Holiday Home was first purchased by a cosumer. 7. I all other cases, such as at the ed of the iitial period of occupacy, the Agreemet Period is etirely a matter for egotiatio ad agreemet betwee you ad us. 8. Durig the period of ay Licece Agreemet, we will ot require you to remove a Holiday Home for the purposes of creatig a sale or solely o accout of its age. 5. Pricig iformatio, pitch fees ad other charges 1. All our pricig iformatio will be uambiguous, clearly displayed ad what is/is ot icluded i that price will be stated ad properly explaied to you. 2. We will provide clear ad cocise iformatio o the arragemets for deposits (where appropriate), coolig off periods ad cacellatio rights. 3. We will provide at least 45 caledar days writte otificatio ad explaatio of a proposed chage i pitch fees: a. Normally pitch fees will chage i lie with RPI (iflatio) or to cover the cost of improvemets o the Park, or chages i the Park operatig costs icludig those brought about by chages i the law or regulatory chage ad by taxatio. b. If 51% or more of all Holiday Home Owers o the Park object i writig to the chage the the matter will be determied either by agreemet betwee us or, if we both agree, by referral to a arbitrator (or i Scotlad a arbiter) or through the courts. 4. We may pass o to you as appropriate ay charges which are outside our cotrol such as rates, water charges ad other charges paid to third parties: a. We will make clear withi the Licece Agreemet which services ad charges are icluded i the pitch fee ad which additioal services ad charges are ot icluded. b. If we receive otice of a chage of charges outside our cotrol, we will provide as much advace otice as possible to you. c. Statutory charges such as rates will be i accordace with relevat legislatio. d. We will re-sell electricity ad mais/atural gas to you at the price we pay for it. e. We will ot sell LPG gas (piped ad/or bottled) at a price higher tha the recommeded retail price as set from time to time by the gas supplier. f. We have the right to charge a reasoable admiistrative fee to cover maiteace of the ifrastructure ad meter readigs i accordace with curret regulatios. Page 10 Holiday Park - Holiday Home Owership Code of Practice

11 Our members commitmet to you 5 We will check that Holiday Homes are properly isured agaist the isurace requiremets clearly stated i the Licece Agreemet. Where you choose ot to isure the Holiday Home through the policy we offer, you must show us the origial ad provide a copy of the isurace for us to verify (free of charge) that adequate ad equal cover is i place. 6. Chages i arragemets o a park 1. We are etitled to make chages to the Park or the way it is maaged or ru because we may wish to develop or improve the Park or its facilities i the ormal course of developig our busiess, or because we are asked to make chages to comply with a Local Authority Site Licece coditio. 2. We will give you at least 28 caledar days otice ad also cosult with Holiday Home Owers regardig ay proposed chages to the Park Rules. 3. By way of example, this may iclude the developmet of ew facilities ad ameities or the provisio of ew services or evirometal improvemets. 4. If the chage i arragemets results i a chage to the pitch fees, we will follow the procedure detailed i sectio 5 of this Code. 5. We will esure that where such chages take place the Licece Agreemet will ot subsequetly be ameded uilaterally but it will be bidig o our successors i title. New terms ad coditios will ot be itroduced which represet a fudametal chage to previous Agreemet terms. Examples of actios which would amout to breach of this paragraph are: a. Itroducig a ew requiremet that you must hire out your Holiday Home where this had ot bee a requiremet before. b. Itroducig provisios which discrimiate ureasoably betwee you ad ay other Holiday Home Ower o the Park. 7. Resale of the Holiday Home 1. You will have the right to sell your Holiday Home i three ways, as log as you have settled all outstadig accouts due to us i excess of 200 ad advised us i writig of your itetio to sell the Holiday Home i lie with the terms i the Licece Agreemet, as follows: a. You may sell the Holiday Home to us if we agree b. You may sell the Holiday Home ad the rights of ay uexpired Agreemet Period to keep it o the pitch (after offerig us first refusal), to a buyer (subject to our prospective ew ower procedures ad paymet of ay agreed commissio by you as the seller, to us) c. You may sell the Holiday Home off the park (reasoable removal charges apply) 2. We will esure that the procedure for the sale of the Holiday Home by you is clearly stated withi the Licece Agreemet. 3. We will esure we do ot charge more tha the idustry maximum rate of commissio of 15% + VAT for resale of the Holiday Home o the pitch. Holiday Park - Holiday Home Owership Code of Practice Page 11

12 Our members commitmet to you 8. Removal of the Holiday Home from the pitch or holiday park 1. We will esure that the procedures for removal of the Holiday Home either from the pitch or holiday park, or for whe the Licece Agreemet comes to a ed, are clearly stated. This icludes: a. Breaches o your part capable of remedy, breaches ot capable of remedy ad writte otice periods b. Repaymet of ay pitch fees ad other charges that have bee paid by you i advace accordig to the idustry agreed scale of paymets (see termiatio sectio i the Licece Agreemet) c. Writte quotatios ad charges relatig to de-sitig ad removal of the Holiday Home d. De-sitig ad removal costs associated with breaches o our part e. Writte otice from us ad our resposibilities if we eed to temporarily move your Holiday Home (e.g. for redevelopmet, access, emergecy, etc.) f. Our resposibilities related to the replacemet of your Holiday Home o its origial pitch or move to a alterative pitch 9. Givig or bequeathig the Holiday Home to family members 1. We will esure that your rights ad the procedure for the givig or bequeathig of the Holiday Home by you are clearly stated i the Licece Agreemet ad explaied, icludig our prospective ew ower procedures. 10. Complait Hadlig 1. Complaits should be made to us i writig i the first istace - we will maitai a clear ad formal writte complaits procedure ad tell you what this is. 2. We will take effective ad immediate actio to try ad resolve ay customer complait. 3. We will: a. Ackowledge your complait, i writig or by phoe, withi 2 workig days of receipt b. We will issue a iitial respose or a fial decisio, i writig, as soo as possible or at the latest withi 10 workig days of complait receipt c. If we issue a iitial respose ad you otify us that it does ot resolve your complait, we will issue a fial decisio, i writig, as soo as possible or at the latest withi a further 5 workig days d. I all istaces, if we legitimately eed more time to ivestigate ad maage your complait (e.g.: because it ivolves aother party), we will provide writte reasos why ad a estimate of the date whe we expect to be able to issue a iitial respose or fial decisio. e. Keep a complaits log which will be available for ispectio by NCC assessors. Page 12 Holiday Park - Holiday Home Owership Code of Practice

13 Our members commitmet to you 4. We will keep you iformed either by letter or , whichever you prefer. 5. Ay fial decisio will iclude details of the NCC Iformal Dispute Resolutio Service ad the NCC Idepedet Case Examier (the Examier) i case you require idepedet redress. Please ote that the Examier will oly cosider complaits that have bee set to, ad cosidered by, the NCC Iformal Dispute Resolutio Service first. 6. If you are ot satisfied with our fial decisio, or if we exceed the respose timescales, you should the refer your complait to NCC for iformal dispute resolutio. If this fails to resolve your complait or if the NCC Iformal Dispute Resolutio Service is ot able to hadle your complait, NCC will escalate your complait to the Examier. We will co-operate fully with the Examier durig a ivestigatio ad comply with his fial decisio which is bidig o us both. Please ote a admiistratio fee of 60 (icludig VAT) will be charged by NCC should you wish to use the Examier service. This fee is oly refudable if the Examier fids i your favour, subject to his discretio. There are o other charges to you for usig the service. 7. We will liaise, at your request, with ayoe actig formally o your behalf (e.g. Tradig Stadards, Citizes Advice Bureau, Cosumer Advice Cetre, etc.). Holiday Park - Holiday Home Owership Code of Practice Page 13

14 Explaatory Notes, Copyright ad Cotact Iformatio 1. This Code should be read i cojuctio with your Purchase ad Licece Agreemets. 2. Throughout this Code, all refereces to Licece Agreemet mea the agreemet betwee the member ad the Holiday Home ower for the Holiday Home to occupy a pitch o the Park. This may be the NCC model Licece Agreemet i full, or the member s ow Licece Agreemet based o, ad cotaiig o less favourable terms tha, the NCC model Licece Agreemet. 3. This Code is ot iteded to beefit those who ow ad sub-let Holiday Homes as a busiess activity. Similarly it is ot applicable to owers of residetial park homes (mobile homes) who occupy such as permaet resideces o residetial parks with the beefit of a Writte Statemet as provided for uder the Mobile Homes Act 1983 (as ameded). 4. Neither this Code or ay Licece Agreemet will cofer o the Holiday Home ower ay iterest i lad or ay rights after the ed of the Agreemet Period to site a Holiday Home o the Park. 5. For the avoidace of doubt, this Code will oly apply to agreemets (whether ew or reewal) etered ito after the issue date of this Code (see footer) ad will ot have retrospective effect i relatio to ay agreemets etered ito prior to the start date which would otherwise have bee covered by the Code. 6. Noe of the terms cotaied i this Code will affect the Holiday Home ower s rights uder the relevat cosumer legislatio ad regulatios. 7. Throughout this Code, referece to oe geder icludes the other geder ad referece to the sigular icludes the plural. 8. Throughout this Code referece to we, us ad our refer to the scheme member ad referece to you ad your refer to the Holiday Home purchaser/ower. 9. No part of this documet may be reproduced i ay form without the prior writte permissio of the NCC. The full Code ca be viewed o our website. Cotact Iformatio The NCC, Catherie House, Victoria Road, Aldershot, Hampshire GU11 1SS Tel No: Fax No: Websites: or Natioal Carava Coucil Limited Page 14 Holiday Park - Holiday Home Owership Code of Practice

15 Appedix 1 - Defiitios The followig terms are used throughout the Code ad are defied as follows; Advertisig Agreemet Ay activity to promote or publicise us, our services or the Holiday Home or the park (whether i writig or otherwise icludig electroic media). The Licece Agreemet. Agreemet Period The legth of time agreed with the park ower, that you have the right to keep the Holiday Home o a pitch o a holiday park (the teure or occupacy). Not to be cofused with the moths withi the year that the site licece allows the Holiday Home to be occupied. Assessor Busiess Code Commissio Commitmet Cosumer Cosumer Code Distributor Family Member Hire ; Hirig Holiday Home Holiday Home Ower A idepedet, impartial ad suitably experieced/qualified perso, appoited by the NCC, who performs assessmets o our busiess i order to verify our compliace with this Code. A o-goig trade, professio or occupatio carried out for the purpose of gai or reward. This Cosumer Code of Practice. The paymet to be made to us by the seller, if you sell the Holiday Home o the pitch ad we issue a ew Licece Agreemet to a ew Holiday Home Ower. A promise/express assurace o which expectatio is to be based. A perso who acquires goods ad services for his ow persoal eeds. Icludes ad describes the ower/ed user of ay Holiday Home as described i the Code, ay perso equirig about purchasig a ew or pre- owed Holiday Home ad ay perso buyig services from us. A Code of Practice that promotes ad protects the iterests of cosumers ad establishes a bechmark for idustry best practice. A aget sellig ew ad pre-owed Holiday Homes who offers a retail, aftersales, warraty ad maiteace service to holiday parks ad the public. I relatio to you, your spouse, civil parter, paret, gradparet, child (icludig stepchild), gradchild, brother or sister icludig the spouse of ay of those persos. The act of obtaiig for paymet whether i cash or i kid for the use of the Holiday Home by persos (except Family Members) other tha yourself. The Holiday Home sold for holiday ad recreatioal use ad specified i a Licece Agreemet. The idividual (you) i possessio of the Holiday Home ad party to a Licece Agreemet. Holiday Park - Holiday Home Owership Code of Practice Page 15

16 Appedix 1 - Defiitios Idepedet Case Examier (the Examier) Iflatio Licece Agreemet Maufacturer A idepedet, impartial ad suitably experieced/qualified perso, appoited by the NCC, who ivestigates ad makes decisios o uresolved complaits. The movemet of the Geeral Idex of Retail Prices (RPI) published by the Office of Natioal Statistics. If it becomes impossible to measure Iflatio by meas of the RPI, the some other idex havig a similar purpose published by a public body would be used. The writte agreemet (sometimes kow as a Pitch Licece Agreemet) betwee you ad us to keep a Holiday Home o a pitch o the Park. This may be the NCC model Licece Agreemet i full, or our ow Licece Agreemet based o, ad cotaiig o less favourable terms tha, the NCC model Licece Agreemet. The Holiday Home maufacturer. Member The scheme member participatig i the NCC Approved Holiday Park - Holiday Home Owership scheme. NCC NCC Approved Holiday Park - Holiday Home Owership logo NCC Approved NCC Approved scheme NCC Iformal Dispute Resolutio Service Obligatio Occupacy Ower The Natioal Carava Coucil. The logo show o the frot of this documet. The logo ca oly be used by a scheme member o their letterhead, promotioal ad advertisig material, website ad premises whe they have bee assessed agaist ad meet the Code of Practice, ad have bee grated Approved Status uder the scheme. A badge that idetifies that NCC members product or cosumer service stadards meets miimum requiremets ad stadards. A scheme that demostrates the busiess s commitmet to its customers to protect their iterests, treat them fairly ad hoestly ad maitai high stadards. The Cosumer Code is at the heart of the scheme ad establishes a bechmark for idustry best practice ad quality customer service which is the moitored ad policed through the scheme. A service operated by the NCC aimed at deliverig a mutually agreeable outcome to a uresolved complait betwee us. A bidig promise or cotract. The legth of time agreed with the park ower, that you have the right to keep the Holiday Home o a pitch o a holiday park (the teure or Agreemet Period). Not to be cofused with the moths withi the year that the site licece allows the Holiday Home to be occupied. The idividual (you) i possessio of the Holiday Home that is a party to the Licece Agreemet. Page 16 Holiday Park - Holiday Home Owership Code of Practice

17 Appedix 1 - Defiitios Park Park Ower Park Rules Pitch Pitch Fee Pre-owed Promise Purchase Agreemet Scheme Site Licece Warraty Lad with the beefit of plaig permissio licesed for holiday or recreatioal use referred to as a carava site uder The Carava Sites & Cotrol of Developmet Act 1960 o which Holiday Home Owers may keep their Holiday Homes with the beefit of a Licece Agreemet. The idividual, compay or ay successors i title amed i the Licece Agreemet as beig the Park Ower or authorised by the Park Ower to be resposible for its operatio that is a party to the Licece Agreemet. The rules of coduct ad practice issued by us from time to time which are applicable to the occupatio ad use of Holiday Homes ad other facilities at the Park. Does ot iclude ay part of the Park except that o which the Holiday Home stads. The charge made by us for use of the pitch ad for those services ad facilities for which there is o additioal paymet or charge. Is take to mea used ad vice versa. A express assurace o which expectatio is to be based. The writte agreemet betwee you ad us for the purchase of the Holiday Home o a Park. The NCC Approved Holiday Park - Holiday Home Owership scheme. The Site Licece applicable to the Park issued to us by the local authority uder sectio 1 of the Carava Sites ad Cotrol of Developmet Act Is take to iclude the maufacturer s warraty ad ay extesio offered by the seller of a ew Holiday Home. It also icludes ay warraty offered by us o a pre-owed Holiday Home. We/our/us The scheme member participatig i the NCC Approved Holiday Park - Holiday Home Owership scheme for the purchase ad sale of ew ad pre- owed Holiday Homes, the agreemet to occupy a pitch o a holiday park ad the provisio of a warraty ad maiteace service, that is a party to the Licece Agreemet. Witerisatio Workig Days You/your Preparig the Holiday Home to prevet damage durig the period whe the park is closed ad the Holiday Home is ot i use. Meas Moday, Tuesday, Wedesday, Thursday ad Friday, excludig Bak Holidays. The Holiday Home Ower. Where there is more tha oe perso described as the Holiday Home Ower i the Licece Agreemet each is fully resposible for the obligatios uder the Agreemet. Holiday Park - Holiday Home Owership Code of Practice Page 17

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Holiday Home Distributor Code of Practice APPROVED

Holiday Home Distributor Code of Practice APPROVED The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Home Distributor Code of Practice For agets of ew ad pre-owed Holiday Homes offerig a supply, aftersales,

More information

The Vehicle Warranty Products Code

The Vehicle Warranty Products Code The Vehicle Warraty Products Code Applyig to warraty admiistrators govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig What our promise meas to you 6 What

More information

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines

Applying to manufacturers governed by the Trading Standards Institute-approved guidelines The New Car Code Applyig to maufacturers govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig Our advertisig promise 5 What our promise meas to you 5 We

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Advertising Our advertising promise 5 What our promise means to you 5 We would advise you to 6 For your information 6

Advertising Our advertising promise 5 What our promise means to you 5 We would advise you to 6 For your information 6 Cotets Itroductio 3 Defiitios 4 Advertisig Our advertisig promise 5 What our promise meas to you 5 We would advise you to 6 For your iformatio 6 Your New Car Our promise 7 What our promise meas to you

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Tenants handbook Booklet 4. Paying your rent. June 2015

Tenants handbook Booklet 4. Paying your rent. June 2015 Teats hadbook Booklet 4 Payig your ret Jue 2015 Your Ret ad other charges Payig your ret ad other charges is a coditio of your teacy. If you do ot pay, you will have broke your teacy agreemet with us.

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Privacy Guide for Small Businesses: The Basics

Privacy Guide for Small Businesses: The Basics Office of the Privacy Commissioer of Caada PIPEDA Privacy Guide for Small Busiesses: The Basics Privacy is the best policy Hadlig privacy cocers correctly ca help improve your orgaizatio s reputatio. Whe

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see the relevat guide below for a full descriptio of whe these amouts may be charged: Uit trasfer fee

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier.

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier. Life Isurace: Your Blueprit for Wealth Trasfer Plaig Producer Guide to Private Split Dollar Arragemets These materials are ot iteded to be used to avoid tax pealties ad were prepared to support the promotio

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

Motor legal expenses. Keep me safe

Motor legal expenses. Keep me safe Motor legal expeses Keep me safe Motor legal expeses This legal expeses isurace is part of your LV= motor isurace policy ad your isurace schedule will cofirm if this cover is icluded. You must read your

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

PROPERTY OWNERS INSURANCE POLICY SUMMARY

PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot

More information

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30 Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see Sectio 3 of your Safe Driver guide for a full descriptio of whe these amouts may be charged: Uit

More information

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Florida Governor Rick Scott Signs Senate Bill 408 Into Law JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

Direct Online Mortgage application

Direct Online Mortgage application Virgi Moey plc Direct Olie Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad

More information

Assessment of the Board

Assessment of the Board Audit Committee Istitute Sposored by KPMG Assessmet of the Board Whe usig a facilitator, care eeds to be take if the idividual is i some way coflicted due to the closeess of their relatioship with the

More information

auction a guide to buying at Commercial

auction a guide to buying at Commercial Commercial a guide to buyig at auctio Allsop is the market leader from commercial ad residetial auctios i the UK Aually sells aroud 700 millio of property at auctio Holds six commercial ad seve residetial

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

AXA Car Insurance. Your policy booklet August 2008 edition

AXA Car Insurance. Your policy booklet August 2008 edition AXA Car Isurace Your policy booklet August 2008 editio Welcome to AXA Welcome to the expertise ad quality of the AXA Group Respect With over 100 years experiece, AXA is a world leader i fiacial protectio

More information

Financial Service Guide (FSG)

Financial Service Guide (FSG) Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia

More information

Wells Fargo Insurance Services Claim Consulting Capabilities

Wells Fargo Insurance Services Claim Consulting Capabilities Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master Data Maagemet Applicatio/Package :

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6 Visa Busiess Cards ALLIED IRISH BANK (GB) VISA BUSINESS CARDS The Allied Irish Bak (GB) Visa Busiess Card provides a simple ad highly effective way for your busiess to moitor ad cotrol routie expeses ad

More information

Mortgage application. Virgin Money plc. Welcome to Virgin Money plc. Thank you for choosing a mortgage with us.

Mortgage application. Virgin Money plc. Welcome to Virgin Money plc. Thank you for choosing a mortgage with us. Virgi Moey plc Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad icludes our

More information

LEASE-PURCHASE DECISION

LEASE-PURCHASE DECISION Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis

More information

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness.

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness. For customers Whole of Life Policy coditios Pays a lump sum o death or diagosis of a defied termial illess. Cotets Welcome to Aego 03 What we mea by you 03 Your cotract 03 Plai Eglish 03 Cotact us 03 1

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know

_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Know _ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Kow ^=mi^`b=ql=`^ii=eljbk=^=mi^`b=lc=vlro=ltkk You ve made Caada your ew home ad ow you re lookig for a place of your ow. Buyig a house is a excitig

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

Before you file pre action procedure for financial cases

Before you file pre action procedure for financial cases FAMILY COURT OF AUSTRALIA Before you file pre actio procedure for fiacial cases This brochure provides iformatio for people cosiderig applyig to the Family Court for fiacial orders. I particular, it provides

More information

Home Shield. Summary IN IRELAND

Home Shield. Summary IN IRELAND Home Shield Summary IN IRELAND Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy?

More information

How to set up your GMC Online account

How to set up your GMC Online account How to set up your GMC Olie accout Mai title Itroductio GMC Olie is a secure part of our website that allows you to maage your registratio with us. Over 100,000 doctors already use GMC Olie. We wat every

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Feed in Tariff. Application Form

Feed in Tariff. Application Form Feed i Tariff Applicatio Form Feed i Tariff Applicatio Form How to complete this form: You eed to check you re eligible to joi the Feed i Tariff (FiT) first, by visitig our website power.com ad readig

More information

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

BCP EQUITY INDEX BONDS

BCP EQUITY INDEX BONDS AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP EQUITY INDEX BONDS TWO CAPITAL SECURE BONDS THAT PROVIDE ACCESS TO LEADING EUROPEAN AND WORLD EQUITY INDICES Track the performace of the Fivex S&E

More information

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS I the sprig of 2008, Stadig Together agaist Domestic Violece carried out a piece of collaborative work o domestic violece

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

Your guide to the Prepaid Funeral Plan 2016

Your guide to the Prepaid Funeral Plan 2016 Your guide to the Prepaid Fueral Pla 2016 I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle A like for like hire car Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim

More information

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of car isurace CAR Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user IT Support IT Support Premier Choice Iteret has bee providig reliable, proactive & affordable IT Support solutios to compaies based i Lodo ad the South East of Eglad sice 2002. Our goal is to provide our

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)

More information

BUSINESS GROWTH PLAN EVENT 2016

BUSINESS GROWTH PLAN EVENT 2016 BUSINESS GROWTH PLAN EVENT 2016 The Busiess Growth Pla ivolves the idea geeratio ad strategy developmet eeded to grow a existig busiess. Participats i the Busiess Growth Pla will aalyze their curret busiess

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information

APPLICATION FORM. Henderson Investment Funds. Valid from 11 May 2015. SECTION 1 About yourself

APPLICATION FORM. Henderson Investment Funds. Valid from 11 May 2015. SECTION 1 About yourself Hederso Ivestmet Fuds APPLICATION FORM Valid from 11 May 2015 You should use this form if you wish to ivest i the Hederso Ivestmet Fuds rage. Further iformatio is cotaied i the Prospectus, the Additioal

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

Compulsory PI insurance for financial advisers: the new compensation arrangements

Compulsory PI insurance for financial advisers: the new compensation arrangements Compulsory PI isurace for fiacial advisers: the ew compesatio arragemets Followig chages to the Corporatios Law o 1 July 2007, fiacial advisers are ow required to hold adequate professioal idemity isurace

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim PRINTER FRIENDLY VERSION Keep me somewhere safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy.

More information

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover

More information

International Delegation A summary for financial advisers

International Delegation A summary for financial advisers Iteratioal Delegatio A summary for fiacial advisers Cotets Please ote For fiacial adviser use oly. It should ot be distributed to, or relied upo by, retail cliets. AXA Wealth Iteratioal is the brad used

More information

For customers Key features of the Business Protection policy

For customers Key features of the Business Protection policy For customers Key features of the Busiess Protectio policy The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

Sole trader financial statements

Sole trader financial statements 3 Sole trader fiacial statemets this chapter covers... I this chapter we look at preparig the year ed fiacial statemets of sole traders (that is, oe perso ruig their ow busiess). We preset the fiacial

More information

BCP ABSOLUTE RETURN BOND 16

BCP ABSOLUTE RETURN BOND 16 AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP ABSOLUTE A CAPITAL SECURE, ACTIVELY MANAGED, ABSOLUTE RETURN BOND THAT AIMS TO ACHIEVE CONSISTENT, POSITIVE RETURNS Uderlyig Fud has a exceptioal

More information

Keep me safe. Motorcycle Insurance. Policy document

Keep me safe. Motorcycle Insurance. Policy document Keep me safe Motorcycle Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded

More information

FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND

FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND (PRINT NAME) THE LENDER (SIGNATURE OF LENDER) (DATE) ACCOUNT NUMBERS AFFECTED: (CURRENT

More information