Money Management Team Limited Limited Service & Fee Agreement

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1 Money Management Team Limited Limited Service & Fee Agreement These Terms of Business set out the agreement between you and us. Please ensure that you read them all carefully. If you do not understand any part or have any questions, please contact us on If you have any difficulty reading this document we can provide it in larger print please let us know. If English is not your first language then please let us know and we will try to accommodate your needs if you find it difficult to understand the language. Introduction A Debt Management Plan is considered to be a short to medium term solution to your current financial situation (1 to 7 years). If your situation is likely to be long term (7 years plus) then other debt solutions may be more appropriate for you. We will advise you at the outset and continue to re-assess your situation during your time with Money Management Team Limited. This is to ensure that you receive the most appropriate advice in accordance with your situation at any given time. The service we offer you is in two parts we will carry out a review of your debts and assess whether you have any legitimate claim for mis-sold products or unfair charges being made this is Part One. The second part of the service Part Two is the continual monthly servicing of your debts and making a monthly payment to your creditors listed on your plan. This agreement is for Part Two only. The success of the plan and the co-operation of your creditors relies upon you being able to make continual payments to it and to be able to sustain the payments agreed. Should you find that your circumstances change and you are not able to maintain the payment agreed please contact the office and your account manager as soon as you can. We will then re-assess your situation and give you further advice which may mean contacting your creditors for you and re-negotiating your plan or referring you to a charity or free debt service provider, or other debt solution provider. Please read the whole of this document. 1. Definitions "Agreement" means the agreement between You and Us made mainly on these Terms of Business. Claim means your claim or claims against the financial company for mis-selling of Payment Protection Insurance or any other financial product. "Cleared Funds" means any monies paid by you which have been received by us into our ring fenced client account and have cleared through the bank system and which have not been reclaimed or returned unpaid. Direct Debits and Standing orders can take up to four days to clear and cheques may take up to seven days to clear. Client Account means a bank account which is held separately from our normal business account. It is held in a form of trust account which offers protection to you. In the unlikely event of our business closing any amount that remained in the client account would be returned to you. Creditors mean the financial companies to whom you owe money under your credit accounts and who are named in the monthly payment plan. Debt Liabilities means the amounts outstanding or due to the financial companies or creditors. Disposable Income means the amount of money you have available to repay your creditors each month having taken account of your income, Priority Expenditure and reasonable living expenses. Fees means the Set-Up Fee, the Management Fee. An estimate of term and total fees payable will be supplied to you. Financial Company means the financial institution that sold the PPI policy or the creditor under the credit account.

2 Set-Up Fees means the fee which is split across the first 6 monthly payments and retained by Us for setting up your plan on our systems. Management Fee means the monthly charge for operating your plan on our systems and making a distribution of funds to the creditors on your plan. This fee is 10% of your agreed monthly payment with a minimum fee being applicable at 35 per month. Monthly Payment Plan means the schedule of Monthly Payments by which You repay your Creditors through Us and pay for our Services. The Monthly Payment Plan is prepared by Us based on the information provided by You, as revised from time to time. Monthly Payments means the amount you will make to us each month under the Monthly Payment Plan. You will be notified of the amount at the commencement of the plan. Priority Expenditure means those items of expenditure which have significant consequences if you do not pay them and include items such as your mortgage or rent, utility bills, council tax, secured loans or credit secured against other assets as well as payments of income tax, national insurance, and VAT. Unsecured Debt means your credit arrangements which include credit cards, personal loans, overdrafts and catalogue accounts which are not secured against your home or another asset. "Services" means the services We agree to provide You with under the terms of this Agreement. We, Us and Our means Money Management Team Limited or anyone to whom we transfer our rights and obligations under this Agreement. You and Your means the individual(s) named on the declaration and authority. 2. Appointment 2.1 You appoint us and we agree to provide the services as shown in section This Agreement will start the day after you have received this paperwork. 2.3 We are unable to send payments to your creditors without your first full monthly payment, signed authority to act form and provided us with copies of the required supporting documentation which must include a list of your creditors and their account details. 2.4 This Agreement will remain in place until the end of the term of the Monthly Payment Plan, unless it is cancelled before then by you under the terms of section 8 or by us under the terms of section The Service we provide under this Agreement is: 3.1 The Monthly Payment Plan, It is based upon information provided by You to Us, We will review your income, outgoings and living expenses and prepare and issue to You a Monthly Payment Plan in respect of those types of debt which do not fall within the exclusions set out in section 5 below. This will show a Monthly Payment which We have assessed You can afford to pay. It will also include an estimate of the total Fees payable by You to Us for the Service which We provide under this Agreement and an estimate of how long it will take You to repay your Creditors. 3.2 Once the Agreement starts (see 2.3) We will notify your Creditors of our involvement and will attempt to agree with them revised payments on your behalf. We will attempt to persuade your Creditors, where appropriate, to accept reduced monthly repayments from You; to cease adding any further costs to the debt and to either suspend or withdraw any recovery, or similar collection activity or legal proceedings, which they may already have taken against You or may have threatened to initiate against You. We will provide you with as much assistance as We can based on our expertise and experience of dealing with creditors. 3.3 On receipt of your first cleared monthly payment, we will prepare and issue you with your revised Monthly Payment Plan, as long as you have provided Us with the requested and necessary creditor information and have returned the signed declaration and authority. This revised plan may vary from the earlier one issued depending on the accuracy of the

3 information You originally provided to Us and our communications with your Creditors. 3.4 We shall provide You with a periodic statement listing your Creditors, the status of any negotiations with them, the Monthly Repayments made to them and the Fees which We have charged You at least once a year. You may request a statement from us at any time and we will provide this to you, unless we have already provided you with one in the previous calendar month. You can also access your up-to-date account detail on our customer portal. 3.5 On confirmation of the debt balances and account charges we will make a further review of the actual debts on your plan or any other debts you make us aware of, for any unfair charges and or mis-sold Payment Protection Insurance or other financial products. The aim of this process is to seek a reduction in your outstanding debt liabilities or obtain redress. 3.6 If after the review we feel you have a reasonable claim to pursue you and you engage us to pursue that claim you will be issued with a separate contract which must be issued to you for any claim regulated by the Claims Management Regulator and in accordance with his requirements. The contract will explain in greater detail the claim process and the fee. The Service we do not provide under the terms of this Agreement 3.7 Any fee for an agreed claims/application made by Us and any administration for that claim or claims application is not included under the terms of this Agreement, an additional and separate fee would be due for any successful claim made on your behalf. Also an administration fee may be due for any claim contractually pursued by Us but then cancelled by You before completion and costs have been incurred by Us for You. Monthly Payment Plan Specific Points 4.1 We may need to amend the Monthly Payment Plan if the information you have given us is found to be incorrect after month two or if your creditors will not agree to freeze interest and/or charges or recommence to apply charges to your debt. In this case, we will write to you to confirm the amended details of the Monthly Payment Plan. This may mean we revise our advice given and or the solution available to you. 4.2 We will credit your Monthly Payment into our Client Account which is held separately from our Business Account. We are required by our regulator to provide them with proof with regards to the status of the account and of the safety of your money. 4.3 Upon receiving your Monthly Payment in Cleared Funds, we will take our fee first then the remainder of the Monthly Payment will be paid to your Creditors within 5 business days on a pro rata basis, that means that the creditor who is owed the most will receive a larger % of your payment. 4.4 If there is a delay in any payment which is not beyond our control, We shall take the appropriate action to put You in the position You would have been in if the payment had been made within five working days in Cleared Funds and shall make good any additional interest which has accrued and any default charges that have been applied to the account as a result of the delay. 4.5 Money held in the Client Account does not attract interest. 4.6 If any money is due to you from the Client Account we will ask you to provide us with instructions for repaying that money to you. If we have not received your instructions (and or our cheque has not been presented and cashed) within six years of our request and all lines of communication have failed, we may pay that money out of our Client Account and to one of our nominated charities. We will have no further obligation to pay that money to you. It is important that you keep us informed of any new addresses or contact details during the term of the plan. 4.7 We shall keep You informed of all material communications between your Creditors and Us, and We shall deal with all communications from your Creditors to Us (or to You and provided by You to Us) appropriately and promptly. Once this communication has been dealt with the correspondence will be appropriately and compliantly destroyed unless you instruct us at the outset that you

4 wish the document to be returned to you. We suggest you always send us copies when possible and not the originals. 4.8 We will review your Monthly Payment Plan at least once each year, or earlier, if you or your creditors request it. This may result in an amended plan being issued to you. 5. What We Will NOT and CANNOT do under this agreement: 5.1 We cannot and will not offer you legal advice. We are not solicitors and we will not represent you in court. 5.2 We will not refer you to make a claim that in our opinion has no realistic chance of success or make false claims. 5.3 We cannot guarantee that your creditors will agree to accept reduced payments, freeze interest and/or charges and suspend or withdraw any proposed action to recover your debt liabilities. 5.4 We cannot include debt liabilities within your Monthly Payment Plan if they are secured against property or other assets such as hire purchase, or any debt liabilities that are due against Priority Expenditure. We cannot include court fines, child maintenance arrears with the CSA or student loans. 5.5 We will not loan you money. 6. What You agree to do 6.1 You appoint us as your exclusive agent to handle your Monthly Payment Plan and deal with your creditors. This means that you cannot appoint another person or firm to act on your behalf in respect of managing your debts unless you cancel this agreement in accordance with Section 8. This does not exclude your rights to refer to a charity or mediator concerning this plan. 6.2 You will provide full authority to Us to deal and negotiate with your Creditors on your behalf. 6.3 You will provide Us with full and accurate details about your net income, outgoings, outstanding debts and assets and any other information which we may reasonably request to enable us to deliver the services. You will not knowingly provide us with false or misleading information. 6.4 If you become aware that you have given us false, misleading or inaccurate information or there are any significant changes in your financial circumstances you will notify us within 7 working days of becoming aware of the error or change. 6.5 You will notify us within 7 days upon becoming aware of any other changes in your circumstances, including, but not limited to, a change to your name, address, contact details, or a significant change to your financial circumstances. 6.6 You will provide copies of all documentation that is in your possession and which relates to the Monthly Management Plan which we may reasonably require in order to provide the Services under this Agreement. 6.7 You will co-operate with us during the annual review of your Monthly Payment Plan or during an earlier review if one is required by your Creditors. This includes responding promptly to reasonable requests by Us or your Creditors for information or documents that may be needed to provide the Services to you. 6.8 You will not ignore correspondence or telephone calls from your Creditors and must keep us informed of any contact made by or on behalf of your Creditors. 6.9 You agree not to take out any further credit or incur any additional unreasonable expenditure during this Agreement You will pay the agreed Monthly Payments to Us under the Monthly Management Plan and will not make payments directly to your Creditors unless you tell us You will pay our fees which are due under this agreement in accordance with Section You will give us permission to refer your details to a carefully selected professional third party, if we require additional expert assistance in order to provide further debt assistance. 7. Fees 7.1 You will make a monthly payment on your due date as agreed at the outset of your plan,

5 equal to your disposable income as agreed during our financial assessment with you. 7.2 Set-Up Fees From Month 1 to Month 6 we will deduct 40% of your agreed monthly payment this is called the set-up fee. In the event that you make partial payments in months 1 to 6 we will not extend the period of payment of the set-up fee but reserve the right to increase our monthly set up fee to a maximum of 49%. Our Set-up fee covers the costs of; reviewing your debt illustration plan calculating the reduced repayment proposals preparing your financial statement talking to your creditors renegotiating your monthly debt payments providing information to your creditors. Once we are in receipt of your completed & signed paperwork and your first monthly payment, we will make a proportional payment to each creditor that you have provided payment details for within 5 working days of received payments being cleared. 7.3 Monthly Management Plan Fees A monthly management fee of 10% is taken from each of your monthly payments to us. From month 7 of your debt management plan this is subject to a minimum payment of and maximum of The monthly management fee covers the ongoing work involved in keeping your debt management plan running smoothly. This includes; Making the agreed payments to each of your creditors Answering phone calls and letters from your creditors Carrying out a review of your circumstances annually (or more often, if necessary) Example 1 - set-up fee based on a client with a disposable income of 150 per month: 40% of = x 6 months = total set up fee Example 2 - set-up fee based on a client with a disposable income of 300 per month: 40% of = x 6 months = total set up fee Example 1 - monthly management fee based on a client with a disposable income of 150 per month: 10% of = Minimum fee of applies Example 2 - monthly management fee based on a client with a disposable income of 300 per month: 10% of = Minimum fee of applies Vulnerable Clients We operate a vulnerable client policy and we have the discretion to waive or reduce the Set-Up Fee and/or reduce the Monthly Management Fee to the minimum based upon personal or household circumstances. DMP Switching Policy Any client looking to switch their Debt Management Company for whatever reason can enter into a Debt Management Programme with us and the value of the setup fee is negotiated on a case by case basis. 7.4 When you start your Monthly Payment Plan you may fall behind (or fall further behind) with your Creditors. Unless your Creditors agree to reduce or freeze interest, late payment charges, administrative charges and any other charges, this will lead to an increase in the total amount of debt you will have to repay to your Creditors. Also, this may affect your credit rating and you may find it difficult to get further credit until you complete your Monthly Payment Plan, and even after that time.

6 7.5 Because we issue monthly payments to your Creditors after receiving the first Monthly Payment from you in Cleared Funds, the date that we make payment to your Creditors may not match the due date on which you are contractually obliged to make payments to your Creditors. We cannot guarantee that your Creditors will not charge you interest, additional interest, late payment charges, administrative charges and any other charges or that they will not take legal action. We will inform your creditors that your payment date is the one you can sustain and would they be prepared to move your payment date to ensure that your account does not incur any charges due to the processing of your payment. 7.6 If you make payments on a weekly basis the Financial Conduct Authority require MMT to make payments as soon as possible to your creditors and their guidelines is to make this within 5 working days. When you pay weekly MMT will accumulate your weekly payments until you have reached your agreed monthly amount. It will then be distributed. This means 3x weekly payments will be held for over 5 working days. This will be notified to your creditors Should any creditor inform us that by paying monthly you will incur charges to your account and that by paying weekly you will not incur any charges we will arrange with them to pay the weekly payments as they clear the client money account. We will inform you of all requests made by your creditors on your payment routine 8. How You Can Cancel or End This Agreement 8.1 You have 14 calendar days from the day after receiving this paperwork (as set out in section 2,) to cancel your authority for us to act on your behalf. You will not have to pay us any fees and if any fees have already been paid we will return these in full. If any funds have already been distributed to your creditors this sum cannot be refunded. 8.2 You can cancel the agreement at any time after this by giving us 14 days written notice. 8.3 You can cancel the Agreement if the final Monthly Payment Plan is significantly greater than estimated in the draft Monthly Payment Plan or Your plan will be significantly greater if the length of the plan, the Monthly Payment or the fees are 20% higher than estimated. 8.4 If you wish to cancel you must send us written notification either by post to Money Management Team Limited, Unit D Ribban Court, 20 Dallam Lane, Warrington, Cheshire, WA2 7NG or by fax to How We Can Cancel or Change This Agreement 9.1 We can cancel this agreement by giving you 14 days written notice in writing if any of the following events occur: a) If we cannot perform our obligations under this agreement because of something beyond our reasonable control. b) If You have a bankruptcy petition issued against you. c) If You enter into an Individual Voluntary Arrangement with your creditors. d) If You die. e) You provide information which you knew to be false or misleading in relation to these Services and this information is material to the success of your claim or our decision or ability to provide the Services under this Agreement. f) You fail to respond to reasonable requests for information in a timely manner and this prevents us from providing the services. g) You fail in an important way to do what you agree to in Section 6 above and you do not correct this breach within 7 days of receiving written notification from us detailing the breach and the action required to resolve the breach. h) You fail to pay our fees within a reasonable period of time. 9.2 We may change the terms of this agreement from time to time to reflect the increased cost of providing the services to you, to reflect market conditions, to reflect changes or predicted changes in legislation, regulation, taxation or as a result of decisions made by the Financial Conduct Authority. 9.3 We will always give you at least 30 days written notice of any changes before they take place. You will be free to end the agreement and you will have no further

7 amount to pay under the Agreement if you do not accept the changes. 10. General Conditions about This Agreement 10.1 This Agreement is governed by English law and any disputes may be referred to the English Courts We may transfer our rights and obligations under this Agreement by giving You written notice of such transfer When this Agreement ends: (a) our duties and obligations under this Agreement will come to an end; (b) your liability to your Creditors will continue to the extent that any amounts You owe to your Creditors remain outstanding over and above the repayments made to them under the Monthly Payment Plan 11. Regulation 11.1 We are regulated and authorised by the Financial Conduct Authority. Our licence number which can be checked by visiting the Consumer Credit Register at If you are not satisfied with the way in which we deal with a complaint relating to a Monthly Management Plan you can refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR, telephone them on , or them at 11.2 Money Management Team Limited is authorised by the Claims Management Regulator Our authorisation number is CRM34681 which can be checked on the website If you are not satisfied with the way in which we deal with a complaint about claims management you can refer it to the Claims Management Regulation at PO BOX 7824, Burton on Trent, Staffordshire, DE14 0DP, telephone them on , or then at 12. How we use your information 12.1 We will control and process your information in accordance with the Data Protection Act Our full Privacy Policy can be obtained by writing to the Data Protection Officer at Money Management Team Limited, Unit D Ribban Court, 20 Dallam Lane, Warrington, Cheshire, WA2 7NG or by visiting our website, We agree to keep confidential all information received from or about You. We will not pass this information to anyone else without your permission, except in line with our data protection statement contained in section 11 or to such of your Creditors as is necessary in order for Us to negotiate repayments with such Creditors, including Creditors who may process your data outside the European Economic Area (EEA) If You have opted to receive information from Us by SMS text message (or , or other electronic means), You are responsible for the security of your mobile telephone (or personal computer) - and must take all reasonable precautions to prevent anyone else from accessing your information, including using all security features available on your mobile telephone (or personal computer) - and for informing Us immediately if your mobile telephone (or personal computer) is lost, your number (or address) changes or if You suspect someone may have access to the information We send You. We use this information We collect personal information (which may include sensitive personal data) about You both directly from You when You apply for our Services and from your Creditors as authorised by your Client Authority Form. We may also collect further information as a result of managing your Financial Management Programme We will use your personal information to provide our Services to You, and in particular to: (a) prepare and issue to You your Monthly Management Plan; (b) negotiate with your Creditors on your behalf; and (c) keep You informed about your Monthly Management Plan and our Services Subject to section 12.7 We may also use

8 your personal information to contact You to provide You details of other products and services which We think may be of interest to You, including those offered by selected third parties. We may share personal information with these selected third parties and they may contact You directly to provide You with details of such products and services You may let Us know if You do not want Us to use or disclose your personal information (and/or sensitive personal data) as set out in section 12.4 above or if You wish to amend the way We communicate with You Other than as set out above We will only disclose your personal information to the extent required by law, court order or as requested by other government or law enforcement authority, or to any company or other entity to whom We either transfer or subcontract any or all of our obligations to You under this Agreement If you wish to make a Subject Access Request please write to the Data Controller at the office address with your fee of stating the nature of your request or specific data required. We will then send any data we hold to you within 40 calendar days Please note that We may record and monitor your calls to Us to help Us to improve our service. We will not pass your details to any of these third parties. If you do not wish to be contacted for any other product or service we offer other than specific debt advice please advise us in writing. 13. Declaration and Authority 13.1 This Agreement is a binding contract and in signing it you are accepting its terms I/We confirm that we have read and agree to be bound by these terms of business I/we confirm that the information I/we have given to Money Management Team Limited is true and accurate to the best of my/our knowledge and I/we will notify you immediately upon becoming aware that any information is untrue, misleading, or has changed in any way I/we appoint Money Management Team Limited to act on my/our behalf to provide advice in respect of my/our credit commitments and Payment Protection Insurance policies, including negotiating with my/our creditors and financial companies to reschedule my/our payments, arrange compensation for any mis-sold insurance policies and if necessary, vary the terms of my/our credit agreements and/or submit a complaint on my/our behalf. I/We authorise Money Management Team Limited, and its employees and/or agents to obtain such information as is necessary from my/our creditors or financial companies for this purpose. Money Management Team Limited may send this authority to my/our creditors and financial companies by post, fax or I/we authorise all of my/our creditors and financial companies including their employees, officers and agents, to discuss any and all aspects of my/our financial affairs and provide personal financial data including details of my/our accounts and policies to Money Management Team Limited and its employees and/or agents. I/we confirm that all communications and payments in relation to my/our accounts/policies should be passed/addressed to Money Management Team Limited, which will then be forwarded to me/us My/our creditors or financial companies should accept this as my/our authority as shown above. This request is made in accordance with the provisions of the Data Protection Act If specialist knowledge is required to progress my/our situation or if the most suitable solution is one that is not offered by Money Management Team Limited I/we authorise Money Management Team Limited to provide my details to a specialist provider. Money Management Team Limited will never disclose my/our details to a third party without first discussing this with me/us By signing the Letter of Authority to Act Form you will be indicating your consent to receiving marketing messages from us unless you have indicated an objection to receiving such messages by advising us in writing.

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