Granite Finance Limited

98 Liverpool Road,
Formby,
Liverpool,
L37 6BS
Phone 01704 339500
Mr Gabor Farkas
63 Lavender Place,
ILFORD,
IG1 2BG

05 April, 2022
Dear Mr Gabor Farkas ,

PAYMENT FOR YOUR INSURANCE PREMIUM

Welcome to Granite Finance Limited. Please find attached your premium finance document pack which
includes:
Advance Notice, with your Direct Debit C ollection details
Direct Debit Mandate
Pre-C ontract C redit Information
Two copies of the Finance Agreement, with Terms and C onditions
Payment schedule
Please check through the enclosed carefully. If you have received this via email please e-sign the
documents. Alternatively, please sign and return the Direct Debit mandate and one copy of the finance
agreement within 7 days. The remaining documentation should be kept for your records.
Important Information
Please be aware that failure to pay any instalment, according with the schedule provided, may lead to
the cancellation of your Insurance Policy. Any unpaid Direct Debit will not be represented for and will
need to be paid in full and failure to do so will result in cancellation of your insurance policy. Any unpaid
Direct Debit will incur an admin charge of £25.00 as set out in the documents enclosed. For further
information, please refer to the section entitled Frequently Asked Questions.
Needless to say, we do sincerely hope your insurance will not be cancelled due to non-payment of your
instalments and therefore request that you please check the payment schedule enclosed so you are fully
aware of the amount due and the date when your monthly instalments are due.

If you have any queries, or if any of the information on the documents provided is not correct, please
contact us immediately on 01704 339500

Yours faithfully

Granite Finance Limited

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Granite Finance Limited
98 Liverpool Road,
Formby,
Liverpool,
L37 6BS
Phone 01704 339500
Mr Gabor Farkas
63 Lavender Place,
ILFORD,
IG1 2BG

05 April, 2022
Dear Sir/Madam,

NOTIFICATION OF DIRECT DEBIT PAYMENT FOR INSURANCE

Welcome to your running account which has been arranged for you to pay the premium for your
insurance with Motorcade Insurance.

ORIGINATOR: Associated Premium Funding Limited

Originator Identification Number 417138
PAYER: Account Name: gabor farkas
Agreement ID: 653198
Reference Number: XGRANITEF000697289
Amount: £ 128.35

The first Direct Debit payment due in respect of the above Direct Debit Instruction will be collected on or
immediately after Thursday, 21 April, 2022 and will be £ 128.35. Subsequent payments of £ 128.35 will
then be collected on or immediately after the same day of each succeeding month, until further notice.
Please may we ask that you take a few moments to check that the details shown below are correct.If
they are incorrect in any way please contact us on the telephone number below.
Sort Code: 206790 Account Number: 03308308
Please leave the Direct Debit instruction in place to enable your insurance policy to be renewed simply
and effectively in the future.
Should you have any queries in respect of this notification please do not hesitate to contact us on 01704
339500, otherwise the Direct Debit collection will proceed as above.
Yours faithfully

Granite Finance Limited

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Associated Premium Funding Limited

Please fill in the whole form and send it to: Instruction to your Bank or Building Society to pay
A ssociated Premium Funding Limited, 721 Capability Green, Luton, LU1 3LU by Direct Debit

O riginators Identification Num ber

Name and full postal address of your Bank or Building Society
4 1 7 1 3 8
To: The Manager Bank /Building Society Reference

Address: X G R A N I T E F 0 0 0 6 9 7 2 8 9

Instruction to your Bank or Building Society

PostCode:
Please pay Associated Prem ium Funding Lim ited
Direct Debits from the account detailed in this
instruction subject to the safeguards assured by the
Name(s) of A ccount Holder(s) Direct Debit Guarantee. I understand that this
instruction m ay rem ain with Associated Prem ium
Funding Lim ited and, if so, details will be passed
gabor farkas electronically to m y Bank /Building Society

Signature(s)
Bank/Building Society A ccount Number
0 3 3 0 8 3 0 8
Date
Branch Sort Code
2 0 6 7 9 0

Bank s and Building Societies m ay not accept Direct Debit Instructions from som e types of account DD14

This is not part of the Instruction to your Bank or Building Society and m ust be detached by Associated Prem ium Funding Lim ited
before subm ission to the Paying Bank

This Guarantee should be detached and retained by the Payer.

T he Direct Debit Guarantee

This Guarantee is offered by all bank s and building societies that accept instructions to pay Direct Debits.
If there are any changes to the am ount, date or frequency of your Direct Debit, Associated Prem ium Funding Lim ited will
notify you (10) work ing days in advance of your account being debited or as otherwise agreed. If you request Associated
Prem ium Funding Lim ited to collect a paym ent, confirm ation of the am ount and date will be given to you at the tim e of the
request.
If an error is m ade in the paym ent of your Direct Debit by Associated Prem ium Funding Lim ited or your bank or building
society you are entitled to a full and im m ediate refund of the am ount paid from your bank or building society.
- If you receive a refund you are not entitled to, you m ust pay it back when Associated Prem ium Funding Lim ited ask s you
to.
You can cancel a Direct Debit at any tim e by sim ply contacting your bank or building society. Written confirm ation m ay be
required. Please also notify us.

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Data Privacy Notice
About Us
We Associated Premium Funding Ltd (C ompany No. 04771663, FC A No. 708079 & Data Protection No. Z8283775). Our
registered address for all companies is 721 C apability Green, Luton, England, LU1 3LU. We are authorised and regulated by the
Financial C onduct Authority and with the IC O for Data Protection.
We are the joint data controller for determining the purpose and means of processing this personal data along with Granite
Finance Limited (the "Finance C ompany") who has shared your personal data with us in order for us to provide services to the
Finance C ompany.
Personal Data
We will collect personal data from you, to include;
name, date of birth, bank details, location information, contact details including address, email and phone number(s).
Our legal basis for collecting, processing and storing this personal data is;
C ontract - for pre-contractual steps, to provide and to service our contract for our finance product with you.
Legitimate Interest – for ensuring effective administration of our contract with you.
This personal data will be retained indefinitely after the duration of your contract with the Finance C ompany. Where a quote does
not progress to a contract, and we have no other contracts with you, we will keep your data for a period of 18 months.
In the case of complaints, claims or legal disputes, or where required for legal or regulatory purposes we may retain your data
for longer.
We may allow our trusted business partners access to your personal data, and we may share your personal data with authorised
third parties, where necessary for the performance of our contract, or where we are required to by law, to be able to administer
your finance contract. Such authorised third parties will include but not be limited to:
C redit Reference Agencies;
Regulators;
Finance Providers;
C ommunication platforms
Your personal data will not be used for the purposes of marketing to you, directly or otherwise.
Your Rights
You have the following rights over your personal data:
The right of access to your personal data;
The right to be informed about the personal data being processed;
The right to rectification of your personal data;
The right to data portability;
The right to restrict the processing of your personal data
If you object to us collecting, using or sharing your personal data we may be unable to provide your Finance C ompany with our
services.

Please contact our Data Protection representative at dataprotection@associatedpremiumfunding.com for our detailed Data
Privacy Notice, if you require any further information, would like to make a complaint or have any questions relating to your
personal data.

You also have the right to complain to the Information C ommissioners Office (IC O) if you feel we are not upholding your rights.
To raise a complaint to the IC O then please go to their website https://www.ico.org.uk.

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 PRE-CONTRACT CREDIT INFORMATION
1. Contact Details
Creditor Granite Finance Limited
Address Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS
Telephone Number 01704 339500
Email Address info@granitefinance.co.uk
Credit Intermediary Motorcade Insurance
Credit Intermediary Address

2. Key Features of the credit product

The type of credit Fixed Sum Loan Agreement ("the Agreement")
The total amount of credit. This means the amount of credit to be provided under the £ 1227.74
proposed credit agreement or the credit limit.
How and when credit would be provided. You will obtain the credit when the Agreement has been made.
The duration of the credit agreement. 11 Months
Repayments. The Total Amount Payable is payable by 11 monthly instalments of £ 128.35
commencing on the Commencement Date Thursday, 21 April, 2022
The total amount you will have to pay: £ 1411.90
This means the amount you have Total Amount of credit £ 1227.74
borrowed plus interest and other costs. Total Charge for credit £ 184.16
Total Charge for credit made up of:
Interest: £ 184.16
Administrative fee: £ 0.00
The proposed credit will be linked to the supply of specific goods or the provision of a Insurance Premium
service
Cash price The cash price is £1227.74

3. Costs of the credit

The rates of interest which will apply to the credit agreement. 15.00% per annum flat fixed throughout the period of the Agreement
Annual Percentage Rate of Charge (APR) 33.00%
This is the total cost expressed as an annual percentage of the total amount of credit
The APR is there to help you compare different offers.
Related Costs
Costs in the case of late payments Upon failure by you to do or refrain from doing anything required under this Agreement,
you will be required to make the maximum following relevant payments to us:
Default Notice up to £10
Unpaid Cheques up to £25
Unpaid Instalments up to £25
Recalling Standing Orders up to £10
Appointing Collection Agency up to £50
We may charge interest at a rate not exceeding the rate of interest charged under the
Agreement, on all sums overdue under the Agreement.We will charge interest from the
due date for the payment until the payment is received in cleared funds.Interest is
calculated on a daily basis, and is payable on demand.
Consequences of missing payments If you miss a payment, we may terminate the Agreement (after service of any notice
required by law) and commence action to recover the outstanding balance of the total
amount payable (less any rebate required by law). We may take legal action to recover
the debt outstanding. We may apply for a County Court Judgment, which we may seek
to enforce in a number of ways including but not limited to your bankruptcy or a
charging order over your home, which may result in your home being repossessed.

4. Other important legal aspects

Right of Withdrawal You have the right to withdraw from the Agreement within 14 days without giving any
reason. The withdrawal period will start from the day after the latest of:
1. Where we sign the Agreement before you, and, therefore, the Agreement is
made when you sign it, on the day on which you sign it; or
2. Where you sign the Agreement before us, and, therefore, the Agreement is
made when we sign it, on the day on which we advise you that the Agreement
has been made, and, in either case, will end 14 days later.

Early repayment. You have the right to repay the credit early at any time in full or partially. If you do
make a partial settlement, we will re-schedule your future payments to reduce your
monthly payments from the next payment date (unless a payment has already been
requested from your bank in respect of the payment due on the next payment date, in
which case the payments will be reduced from the next payment date after that). Any
part settlement will be used to clear arrears and associated charges before reducing
future payments.
Consultation with a Credit Reference Agency If we decide not to proceed with the Agreement on the basis of information received
from a credit reference agency, we will inform you of that fact and how to contact the
credit reference agency for details.
Right to a draft credit agreement Unless we have declined a proposal for credit from you, you have the right to request a
copy of the agreement free of charge, prior to the conclusion of it.

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 5. Additional information to be given in the case of distance marketing of financial services
(a) concerning the creditor
Registration number. We are a lender licensed by the Financial Conduct Authority licence number 713766 and
we are registered under the Data Protection Act registration number Z1260748.
The supervisory authority The Financial Conduct Authority of 12 Endeavour Square, London E20 1JN
(b) concerning the credit agreement
The law taken by the creditor as a basis for the establishment of relations with you English law will govern our relationship prior to the conclusion of the Agreement.
before the conclusion of the credit contract. English law will govern the Agreement and the Agreement will be subject to the
The law applicable to the credit agreement and/or the competent court. jurisdiction of the English Courts
Language to be used in connection your agreement All documents and communications between us will be in English
(c) concerning redress
Access to out- of-court complaint and redress mechanism We have in place an internal complaints process and all complaints should be directed
to: Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS or by phone
on 01704 339500, in the first instance. If we do not resolve a complaint, it may be
referred to the Financial Ombudsman Service at Exchange Tower, Harbour Exchange
Square, Isle of Dogs, London E14 9SR or calling 0300 123 9123 or 0800 023 4567 or
emailing complaint.info@financial-ombudsman.org.uk

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Pre-contractual Adequate Explanations for a Fixed-Sum Loan Agreement regulated by the Consumer Credit Act
1974 (the “Agreement”)

Information For: Mr Gabor Farkas Of

63 Lavender Place
ILFORD
IG1 2BG

You must consider this document carefully before deciding whether to proceed with the Agreement.
Your Insurance Policy and Premium Finance
Your insurance broker has advised us that you have made an active decision to pay for your insurance premium with premium
finance instead of paying for it upfront, and that this is consistent with your best interests. Your broker should have explained
to you in writing that by electing to use our premium finance option, and paying by monthly instalments, it may be more
expensive than if you had opted to pay for it upfront in one lump sum. The broker should also have explained to you the
additional cost involved for using our premium funding service and that they may earn a commission (of which more about
commission is explained below).
The additional cost for paying for your insurance premium with our premium finance option is shown (a) below under section
“What you are due to pay to us under the Agreement” as the total amount repayable and (b) in the attached credit agreement
as the “Total C harge for C redit” under the section “Total Amount Payable”. If you miss payments when they are due, the
overall total cost of your premium finance may further increase because you may incur default sum charges. Your attention is
drawn to the sections in the credit agreement “C harges” and “Interest for late payment”.
Features of the agreement that may make the credit unsuitable
The proposed agreement is suitable for paying for the cost of services or products such as insurance policies, school fees,
membership and subscription fees provided by a linked supplier. It is not suitable for borrowing cash, for use as a credit card,
purchasing higher value goods, or consolidating other debts.
What you are due to pay to us under the Agreement
The total amount payable under the Agreement is £ 1411.90. Your payments under the Agreement will be 11 monthly
instalments of £ 128.35 commencing on the C ommencement Date Thursday, 21 April, 2022. The additional cost for paying for
your insurance policy with premium finance is made up of Interest of £ 184.16, (if any) and a Facility Fee of £ 0.00 (if any) and
are shown in the credit agreement under “Total Amount Payable”.
What could happen to adversely affect you
Your payments are due on the due date as shown above and on the Pre-C ontract Information and the Agreement. If you miss
a payment, we may terminate the Agreement (after service of any notice required by law) and commence action to recover
the outstanding balance of the total amount payable (less any rebate required by law). We may take legal action to recover
the debt outstanding. We may apply for a C ounty C ourt Judgment, which we may seek to enforce in a number of ways
including but not limited to your bankruptcy or a charging order over your home, which may result in your home being
repossessed.
What if you do not make your payments on their due date?
We will contact you as soon as we can to let you know you have missed a payment, and to discuss how the payment can be
made. We will also charge fees as detailed in the Pre-C ontract Information and the Agreement, which means that the amount
of your overall debt to us will increase. If you fail to then bring the agreement up to date, we will issue a Notice of Default,
proceed to terminate the Agreement and then cancel the Policy. The insurance company will then pay any refund of Premium
directly to us and we will have the right to pursue you for any shortfall. This could then lead to legal action and our
commencing action to recover the amount then due to us.
Your right to withdraw from the Agreement
If you wish to withdraw from the Agreement, you can do so within the first 14 days from the day after the latest of:
1. Where we sign the Agreement before you, and, therefore, the Agreement is made when you sign it, the day on which you
sign it; or
2. Where you sign the Agreement before us, and, therefore, the Agreement is made when we sign it, the day on which we
advise you that the Agreement has been made,
If you do wish to withdraw, you will need to pay the credit and interest accrued from the date the credit was provided to the
date of repaying it to us, without delay and not later than 30 calendar days after giving notice of withdrawal (the "Settlement").
The daily interest is £ 0.56. If you fail to pay us the Settlement within the 30 day period, we will have the right to request
immediate payment of it.
Any Questions?
You can ask us about the terms of the Agreement and for further information and explanations by calling us on Tel 01704
339500 or by email to info@granitefinance.co.uk.
Please note carefully: - Suitability of Credit
In assessing your application for credit, the C reditor will assess your ability to make the repayments. However, before
undertaking any credit commitment, it is important that you are satisfied that you can afford the financial commitment. Your
assessment should take into account any foreseeable future changes to your financial position. In entering into the Agreement
with us, you will confirm to us that you consider that you can afford the monthly payments shown in the section “What you are
due to pay to us” (and as shown on the Agreement) out of your normal monthly budget, and that you do not know of any
reason why this should change during the term of the Agreement. If you are unsure about this, you should contact us to
discuss it.
Roles & Commission
Motorcade Insurance only offers insurance credit from the C reditor and has not considered any alternative insurance credit
that might be available from other C reditors. Motorcade Insurance is linked to the C reditor because they are both members of
the same group of companies. If you enter into the credit agreement, Motorcade Insurance may receive a commission from
the C reditor for introducing you. If you ask us, we must tell you the amount of the commission, or the likely amount where the
precise amount is not known. Motorcade Insurance believes that the insurance credit which is available from the C reditor is
suitable for your requirements but you are free to obtain credit from an alternative C reditor.
Gabor Farkas 05/04/2022 8:32:30 PM GMT
 Granite Finance Limited
Finance Agreement - Non Corporate Agreement No: 653198
Agreement Date: 04/04/2022
Finance Agreement (Non Corporate)
FIXED - SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
We/the Creditor: Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS
You/the Customer: Mr Gabor Farkas , 63 Lavender Place, ILFORD, Essex, IG1 2BG

Duration of the agreement 11 Months

Amount of Credit
How and when credit will be
provided
Rate of Interest
Total amount payable
APR
Repayments
Statement of Account
This right does not apply if you date of which each instalment is due, the amount and any conditions relating to the payment of the instalment, and a breakdown of each
are a business customer
Charges
Interest for late payment
Missing payment warning
Right of Withdrawal
Early repayment
Ombudsman Scheme
Supervisory Authority
£ 1227.74
You will obtain the credit when we have accepted the Agreement.
15.00% fixed throughout the period of the Agreement.
£ 1411.90
Total Amount of credit £ 1227.74
Total Charge for credit £ 184.16
Total Charge for credit made up of:
Interest: £ 184.16
Administrative fee: £ 0.00
33.00%
The Total Amount Payable is payable by 11 monthly instalments of £ 128.35 commencing on the Commencement Date Thursday, 21 April, 2022.
You have the right to receive, on request, and free of charge, at any time throughout the duration of this Agreement pursuant to section 77B of
the Consumer Credit Act 1974 (the "Act"), a statement in the form of a table giving details of each instalment owing under the Agreement, the
instalment showing how much comprises of the capital repayment, interest payment and any other charges.
Upon failure by you to do or refrain from doing anything required under this Agreement, you will be required to make no more than the following
relevant payments to us:
Default Notice up to £10
Unpaid Cheques up to £25
Unpaid Instalments up to £25
Recalling Standing Orders up to £10
Appointing Collection Agency up to £50
We may charge interest at a rate not exceeding the rate of interest charged under the Agreement, on all sums overdue under the Agreement.
We will charge interest from the due date for the payment until the payment is received in cleared funds. Interest is calculated on a daily basis,
and is payable on demand.
If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or
another lender. We may take steps to enforce any security associated with the loan if applicable. We may also take legal action against you and
obtain a County Court Judgment, which we may seek to enforce in a number of ways including but not limited to your bankruptcy or a charging
order over your home, which may result in your home being repossessed.
You have the right to withdraw from the Agreement within 14 days without giving any reason. The withdrawal period will start:
(i) Where we sign the Agreement before you, and, therefore, the Agreement is made when you sign it, on the day on which you sign it; or
(ii) Where you sign the Agreement before us, and, therefore, the Agreement is made when we sign it, on the day on which we advise you that
the Agreement has been made, and, in either case, will end 14 days later.
You must contact us either in writing or by telephone to notify us of your intention to withdraw from this agreement. If you wish to exercise this
right, you should contact us at: Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS or Telephone Number 01704 339500.
If you exercise your right to withdraw, you must repay the credit and interest accrued from the date the credit was provided to the date of
repaying it to us, without delay and not later than 30 calendar days after giving notice of withdrawal. The daily interest is £ 0.56. All payments
should be in the form of direct debit, cash, cheque or credit card payment.
You have the right to repay the credit early at any time in full or partially. If you wish to do so, you must give us notice either in writing to
Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS or orally, using telephone number 01704 339500. If you make partial
early repayment, we will re-schedule your future payments to reduce your monthly payments from the next payment date (unless a payment
has already been requested from your bank in respect of the payment due on the next payment date, in which case the payments will be
reduced from the next payment date after that). Any payment will be used to bring your account up to date and to pay any charges which have
become payable before it is applied in making early repayment.
You have the right to complain to the Financial Ombudsman Service where you are a consumer. If you are a business (partnership/limited
company/sole trader) you may have the right to complain to the Financial Ombudsman Service.
The Financial Conduct Authority, 12 Endeavour Square, London E20 1JN.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if SIGNATURE ON BEHALF OF Granite Finance Limited
you want to be legally bound by its terms. Signed on behalf of : Granite Finance Limited
Signature(s) of Customer(s) X

Date of Signature(s)
DATA PROTECTION ACT DECLARATION
You have a right to receive a copy of the information we hold about you if you apply to
us in writing. A fee will be payable. Date of Agreement: 05 April, 2022

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Granite Finance Limited
Finance Agreement - Non Corporate Agreement No: 653198
Agreement Date: 04/04/2022
Finance Agreement (Non Corporate)
FIXED - SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
We/the Creditor: Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS
You/the Customer: Mr Gabor Farkas , 63 Lavender Place, ILFORD, Essex, IG1 2BG

Duration of the agreement 11 Months

Amount of Credit
How and when credit will be
provided
Rate of Interest
Total amount payable
APR
Repayments
Statement of Account
This right does not apply if you date of which each instalment is due, the amount and any conditions relating to the payment of the instalment, and a breakdown of each
are a business customer
Charges
Interest for late payment
Missing payment warning
Right of Withdrawal
Early repayment
Ombudsman Scheme
Supervisory Authority
£ 1227.74
You will obtain the credit when we have accepted the Agreement.
15.00% fixed throughout the period of the Agreement.
£ 1411.90
Total Amount of credit £ 1227.74
Total Charge for credit £ 184.16
Total Charge for credit made up of:
Interest: £ 184.16
Administrative fee: £ 0.00
33.00%
The Total Amount Payable is payable by 11 monthly instalments of £ 128.35 commencing on the Commencement Date Thursday, 21 April, 2022.
You have the right to receive, on request, and free of charge, at any time throughout the duration of this Agreement pursuant to section 77B of
the Consumer Credit Act 1974 (the "Act"), a statement in the form of a table giving details of each instalment owing under the Agreement, the
instalment showing how much comprises of the capital repayment, interest payment and any other charges.
Upon failure by you to do or refrain from doing anything required under this Agreement, you will be required to make no more than the following
relevant payments to us:
Default Notice up to £10
Unpaid Cheques up to £25
Unpaid Instalments up to £25
Recalling Standing Orders up to £10
Appointing Collection Agency up to £50
We may charge interest at a rate not exceeding the rate of interest charged under the Agreement, on all sums overdue under the Agreement.
We will charge interest from the due date for the payment until the payment is received in cleared funds. Interest is calculated on a daily basis,
and is payable on demand.
If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from us or
another lender. We may take steps to enforce any security associated with the loan if applicable. We may also take legal action against you and
obtain a County Court Judgment, which we may seek to enforce in a number of ways including but not limited to your bankruptcy or a charging
order over your home, which may result in your home being repossessed.
You have the right to withdraw from the Agreement within 14 days without giving any reason. The withdrawal period will start:
(i) Where we sign the Agreement before you, and, therefore, the Agreement is made when you sign it, on the day on which you sign it; or
(ii) Where you sign the Agreement before us, and, therefore, the Agreement is made when we sign it, on the day on which we advise you that
the Agreement has been made, and, in either case, will end 14 days later.
You must contact us either in writing or by telephone to notify us of your intention to withdraw from this agreement. If you wish to exercise this
right, you should contact us at: Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS or Telephone Number 01704 339500.
If you exercise your right to withdraw, you must repay the credit and interest accrued from the date the credit was provided to the date of
repaying it to us, without delay and not later than 30 calendar days after giving notice of withdrawal. The daily interest is £ 0.56. All payments
should be in the form of direct debit, cash, cheque or credit card payment.
You have the right to repay the credit early at any time in full or partially. If you wish to do so, you must give us notice either in writing to
Granite Finance Limited, 98 Liverpool Road, Formby, Liverpool, L37 6BS or orally, using telephone number 01704 339500. If you make partial
early repayment, we will re-schedule your future payments to reduce your monthly payments from the next payment date (unless a payment
has already been requested from your bank in respect of the payment due on the next payment date, in which case the payments will be
reduced from the next payment date after that). Any payment will be used to bring your account up to date and to pay any charges which have
become payable before it is applied in making early repayment.
You have the right to complain to the Financial Ombudsman Service where you are a consumer. If you are a business (partnership/limited
company/sole trader) you may have the right to complain to the Financial Ombudsman Service.
The Financial Conduct Authority, 12 Endeavour Square, London E20 1JN.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if SIGNATURE ON BEHALF OF Granite Finance Limited
you want to be legally bound by its terms. Signed on behalf of : Granite Finance Limited
Signature(s) of Customer(s) X

Date of Signature(s)
DATA PROTECTION ACT DECLARATION
You have a right to receive a copy of the information we hold about you if you apply to
us in writing. A fee will be payable. Date of Agreement: 05 April, 2022

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 TERMS AND CONDITIONS
1. Creditor's Obligation
The Creditor agrees to advance to the Customer the Amount of Credit to assist the
Customer to pay the Premium subject to compliance with this Agreement by the
Customer. The Customer acknowledges and agrees that the Creditor may make the
payment of the Amount of Credit to the Broker on behalf of the Customer and that the
Broker is authorised to supply the Creditor with a copy of the policy or policies financed
under the Agreement.
2. Payment
In consideration of the Creditor advancing the Amount of Credit, the Customer:
2.1 Shall punctually pay to the Creditor (without previous demand) the total amount
payable by the instalments and on the dates set out in the Schedule.
2.2 The time of payment of each and every instalment shall be of the essence of this
Agreement. Each instalment in the amount shown in the Schedule includes an
administration fee of an amount equal to the Administration Fees (as shown in this
Agreement) divided by the number of instalments payable under this Agreement.
2.3 All payments under this Agreement shall be made to the address of the Creditor for
payment shown in the Schedule or at such other address as the Creditor will notify to
the Customer. Payments despatched by post shall be at the risk of the Customer.
3. Acceleration of Payments
3.1 If any of the following events occur;
3.1.1 an amount equal to, or more than, two monthly instalments has become overdue
for payment under this Agreement and the Customer has failed to comply with a default
notice served on the Customer by the Creditor, requiring the Customer to bring
payment up to date within the period of at least 14 days specified in the notice; or
3.1.2 the Customer provides incomplete or materially inaccurate or misleading facts or
information in connection with this Agreement, whether to the Creditor or to the Broker
acting in negotiations for this Agreement;
3.1.3 a bankruptcy petition is presented against the Customer or the Customer has a
bankruptcy order or an Interim order made against him under the Insolvency Act for the
time being in force or (in Scotland) becomes bankrupt or is sequestrated;
3.1.4 where the Customer is a firm, the firm is dissolved or a bankruptcy petition is
presented against any partner in the firm;
3.1.5 the Customer makes an arrangement or composition with or for the benefit of his
(or where the Customer is a firm its) creditors;
3.1.6 the Customer commits any breach of the terms and conditions (whether express
or implied) of this Agreement;
3.1.7 any attachment order is made against the Customer or any distress diligence
execution or other legal process is levied on any property of the Customer;
3.1.8 the Policy or any part thereof is cancelled or terminated or cover is withdrawn for
whatever reason; then the Creditor shall be entitled to require payment of the Total
Amount Payable, less any payments already received and less a rebate calculated in
accordance with the Consumer Credit (Early Settlement) Regulations 2004 or any
statutory or mandatory regulatory provision which replaces or supplements those
regulations.
4. The Policy
4.1 Except as permitted by this Agreement the Customer will not cancel the Policy or do
anything to vitiate it and will comply with all directions and orders or requirements of
the insurance company which issued the Policy to keep the Policy in full force and
effect.
4.2 In the event that a cover note or cover notes have been issued in contemplation of
the issue of a Policy then the Customer will do all acts matters and things necessary to
complete the issue of the Policy prior to the Creditor advancing the Amount of Credit to
the Customer's Broker.
4.3 In the event that the Customer shall become entitled to a premium rebate or refund
or other monies under the Policy whether by reason of cancellation or termination or in
the event of a claim becoming payable then such monies shall be payable to the
Creditor to the extent necessary to make any payment then due under this Agreement
and the Customer agrees to notify the Creditor of any such event
4.4 The Customer hereby irrevocably and unconditionally authorises the Creditor to
cancel the Policy upon the default by the Customer of any of the terms and conditions
of this Agreement. On cancellation of the Policy by the Creditor pursuant to this
authority the Customer hereby irrevocably and unconditionally authorises the insurance
company which has issued the Policy to pay any refund of Premium directly to the
Creditor at its above written Address. The Customer acknowledges and agrees that the
cancellation of the Policy will be without prejudice to the Creditor's right to recover any
loss or deficiency form the Customer.
Gabor Farkas
4.5 In this Agreement:
‘Insurer' means the insurance company, which is to issue or has issued the Policy
'Policy' means the insurance policy or policies the premium in respect of which is
financed by this Agreement and includes any cover note or cover notes issued in respect
of the Policy 'Premium' means the annual premium or premiums payable in respect of
the Policy
'Broker' means the insurance broker or intermediary who has arranged for the Policy to
be issued
5. Notices and Services
5.1 Any notice or other information required or permitted to be given by either party
under this Agreement shall be deemed to have been validly given if served personally
upon that party or if sent by first class pre-paid post to the address of that party as
stated overleaf or to his last known address.
5.2 Any notice or other information sent by first class pre-paid post shall be deemed to
have been received by the other party within 48 hours after the date of posting.
6. Acceptance
This agreement shall be deemed to have been made on the date when in is signed by
the Creditor.
7. General
Where two or more persons are stated to be the Customer, each of those persons shall
be jointly and severally liable for the performance of the obligations of the Customer set
out in this Agreement
8. Assignment
The Creditor has assigned the benefit of all its rights under this Agreement to Bexhill UK
Limited or any party nominated by Bexhill UK Limited. The Customer's rights are not
reduced and the Customer's obligations are not increased by the assignment
IMPORTANT - READ THIS CAREFULLY
USE OF YOUR INFORMATION
The Creditor (“We”) will share your personal information and may add to your record
with credit reference agencies (CRA's). We will use your data to perform credit and
identity checks on you, supply details of this Agreement you have with us, any
payments you make under it and any default or failure to keep to its terms. These
records will continue to be shared with CRA’s, and may be supplied to other
organisations by the CRA’s, while you have a relationship with us and may be used and
searched by us and them to:
(1) verify the accuracy of the data you have provided to us, assess your
creditworthiness and whether you can afford to take the product;
(2) consider applications for credit and credit related services, such as insurance, for you
and for any associated persons;
(3) trace debtors, recover debts, prevent or detect money laundering and fraud, and to
manage your account(s).
CRAs may supply to us both public (including the electoral register) and shared credit,
financial situation and financial history information and fraud prevention information.
When CRAs receive a search from us they will place a search footprint on your credit file
that may be seen by other lenders. The identities of the CRA’s, and the ways in which
they use and share personal information, are explained in more detail
at www.callcredit.co.uk/crain, www.equifax.co.uk/crain, www.experian.co.uk/crain. It
is important that you provide us with accurate information. We may check your details
with fraud prevention agencies and if you provide false or inaccurate information, or we
suspect fraud, this information may be recorded. Fraud prevention agency records will
be shared with other organisations to help make decisions on credit, motor, household,
life or other insurance proposals or claims for you and members of your household. We
will use personal information about you which we acquire in connection with any
application you make to us, or any agreement you enter into with us, to manage your
agreement and for statistical or market research purposes. We may disclose the
information that we hold about you to Associated Premium Funding Limited and other
agents for the purposes of recovering any debt that you owe us and, where necessary,
tracing you. If we propose to transfer, charge or assign, or agree to transfer or assign,
our rights under your agreement to a third party or if we employ a third party to
manage any aspect of your agreement, we will pass relevant information about you to
such third parties. Any assignee of such rights or third party manager may hold your
information and use it in the same ways as we may, as described above. Your data
may also be used for other purposes for which you give your specific permission or, in
very limited circumstances, when required by law or where otherwise permitted under
the Data Protection Act 2018. Your personal data may be retained indefinitely after the
duration of the contract. Where a quote does not progress to a contract, and we have
no other contract(s) with you, we will keep your data for a period of 18 months. In the
case of complaints, claims or legal disputes, or where required for legal or regulatory
purposes we may retain your data for longer. Please telephone 01582 635041, write to
us at Capability Green, Luton, Bedfordshire, LU1 3PE or dataprotection@bexhilluk.com
for our full Data Privacy Notice, if you want to have details of the credit reference
agencies or any other agencies from whom we obtain, and to whom we pass,
information about you. You have a legal right to these details. You have a right to
receive a copy of the information we hold about you.
05/04/2022 8:32:30 PM GMT
 Granite Finance Limited
98 Liverpool Road,
Formby,
Liverpool,
L37 6BS
Phone 01704 339500

Payment Schedule for Agreement 653198

Mr Gabor Farkas
Payment Date Amount
21/04/2022 £ 128.35
23/05/2022 £ 128.35
21/06/2022 £ 128.35
21/07/2022 £ 128.35
22/08/2022 £ 128.35
21/09/2022 £ 128.35
21/10/2022 £ 128.35
21/11/2022 £ 128.35
21/12/2022 £ 128.35
23/01/2023 £ 128.35
21/02/2023 £ 128.40

Gabor Farkas 05/04/2022 8:32:30 PM GMT

 Granite Finance Ltd – Frequently Asked Questions.
Who is Granite Finance?
Gra nite Fina nce is a lender which provides fina nce through your ins ura nce broker to a llow you to s prea d the cos t of your ins ura nce
premium by monthly ins ta lments ins tea d of ha ving to pa y upfront for your premium in one lump s um.
We a re a uthoris ed a nd regula ted by the Fina ncia l Conduct Authority (FCA). Our firm reference number is 713766, which ma y be
verified on the FCA’s regis ter by vis iting the FCA’s webs ite www.fca .or.uk or by conta cting the FCA on 0800 1116768.

How will your name show on my bank statement?

Pa yment collections on the a ccount will be ma de with a reference “APF1 T 01582346251 XGRANITEFXXXXXXXXX”.

I’ve received a Welcome Pack from you, what do I do now?

Plea s e ta ke time to rea d everything ca refully, checking tha t a ll deta ils a re correct including direct debit deta ils , the a mounts due
a nd the da te of collection. Plea s e note we will communica te to you by ema il, s o it’s rea lly importa nt tha t you ens ure we hold the
correct conta ct informa tion for you, s o plea s e ta ke a moment to ens ure tha t your ema il a ddres s is correct a nd plea s e keep us
informed of a ny cha nges to your conta ct deta ils . If you identify a nything tha t is incorrect, or would like to cha nge a nything, plea s e
conta ct us a s s oon a s pos s ible on the number s hown in your welcome pa ck s o tha t we ca n rectify thes e. Once you’re ha ppy the
informa tion is correct plea s e “e-s ign” the fina nce a greement.

How do I “esign” the finance documents?

It is extremely importa nt tha t you e-s ign your fina nce a greement a s s oon a s you ha ve rea d through the ema il with your documents .
Once your fina nce a greement ha s been s et up, we will ema il you to s et up a us er a ccount. You will need to follow the links on the
ema il s ent to regis ter a s a us er a nd crea te a pa s s word.
You will then be a ble to downloa d your documents , check the informa tion a nd “es ign” the documents where prompted.
If you require a ny further a s s is ta nce with this , plea s e ema il info@gra nitefina nce.co.uk or conta ct our cus tomer s ervice tea m on
01704 339 500.

How do I make changes to my agreement details?

You will be a ble to ma ke s evera l cha nges to your fina nce deta ils through our s elf-s ervice porta ls a s below:

How to change the bank details my payments are taken from?

Vis it www.gra nitefina nce.co.uk/cha nge-ba nk-deta ils a nd complete the reques t form. Your reques t will be ca rried out within 24
hours a nd you will be ema iled with confirma tion once complete.

How to request a copy of my finance agreement or payment schedule?

Vis it www.gra nitefina nce.co.uk/document-reques t a nd complete the reques t form. Your reques t will be ca rried out within 24 hours
a nd you will be ema iled with confirma tion once complete.

How to request to change my direct debit payment date?

Vis it www.gra nitefina nce.co.uk/cha nge-pa yment-da te a nd complete the reques t form. Your reques t will be ca rried out within 24
hours a nd you will be ema iled with confirma tion once complete.

Plea s e note tha t a ny pa yment da te reques t will move your pa yment da te forwa rd. If you a re wis hing to cha nge your upcoming
pa yment da te then, to ens ure we ca n a ccommoda te this , your reques t mus t be s ubmitted 7 working da ys prior to your current direct
debit da te in order for it to be a mended in time for collection.

How to request to change my contact details?

Vis it www.gra nitefina nce.co.uk/cha nge-conta ct-deta ils a nd complete the reques t form to cha nge either your ema il a ddres s or
telephone conta ct deta ils . Your reques t will be ca rried out within 24 hours a nd you will be ema iled with confirma tion once
complete.
Should you wis h to ma ke a cha nge to your a ddres s held on file or reques t s omething not mentioned a bove then plea s e conta ct our
cus tomer s ervice tea m by ema il a t info@gra nite.fina nce.co.uk or a lterna tively, you ca n conta ct us by telephone on 01704 339 500 to
a dvis e us of a ny a mendments .

I have missed a payment; will I be charged a fee?

Gabor Farkas 05/04/2022 8:32:30 PM GMT
 We do hope you will be a ble to ma ke your pa yments on time, but If you do mis s a pa yment then a £25.00 a dminis tra tion fee will be
a pplica ble, a nd this will be a dded to the a rrea rs a mount due.

I have missed a payment, what happens now? Will this affect my insurance?
If for a ny rea s on your direct debit is uns ucces s ful, we will no fy you by le er or ema il. We would a lwa ys encoura ge you
to conta ct us a s s oon a s pos s ible if you a re experiencing a ny fina ncia l difficulties .
You will then need to ta ke urgent a ction to ens ure the a rrea rs a re pa id to prevent your ins ura nce policy being ca ncelled.
We will not try to ta ke a mis s ed pa yment a ga in by direct debit, s o it’s importa nt to a void ca ncella on of your ins ura nce
policy tha t you get in conta ct with us , or us e the link below to ma ke your pa yment.

To ma ke things a s ea s y a s pos s ible for you there a re two wa ys to do this :

By ca lling up our a utoma ted pa yment s ervice on 0330 331 0022

By going on our online pa yment porta l a t www.gfpa ynow.com.
(A dedicated PIN number will be provided to you for use with these services at point of default)

We will a lwa ys inform you of the mefra me for you to clea r your mis s ed pa yment, but if you do not ma ke a pa yment
before the dea dline pa s s es , then unfortuna tely we will ha ve no a lterna ve tha n to regre a bly ca ncel your ins ura nce
policy.

We will write to you via ema il or le er to inform you tha t your fina nce a greement ha s been termina ted a nd your
ins ura nce policy ha s been ca ncelled a s a res ult of the mis s ing pa yment.

We do s incerely hope tha t your ins ura nce will not be ca ncelled due to non-pa yment of your ins ta lments a nd therefore
reques t tha t you plea s e conta ct our tea m if you a re ha ving a ny difficulties in ma king the pa yment on 01704 339 500.

What will happen if my policy is cancelled?

In the event of ca ncella on, you ma y be due a refund from your ins urer. The refund rela tes to the rema ining period of
ins ura nce tha t ha s been unus ed.

Should there rema in a s hor a ll between the fina nce a greement s e lement figure a nd the refund due from your ins urer
then your ins ura nce provider will conta ct you to collect this a mount.

Plea s e be a wa re tha t, if a cla im ha s been ma de res ul ng in cos ts to the ins urer, then no refund a s a res ult of a
ca ncelled policy would be due. Therefore, a ny rema ining ba la nce on your fina nce a greement will become pa ya ble in
full.

Can I pay my arrears using a third parties debit / credit card?

If you wis h to s ettle your a rrea rs us ing a ca rd other tha n your own, then we ca n only a ccept it via our online pa yment porta l
a t www.gfpa ynow.com a s mentioned a bove. Plea s e note tha t only a pa yment received within the dea dline s et a nd for the full
a rrea rs ba la nce will keep your fina nce a greement a nd your ins ura nce policy a ctive. Anything les s will not prevent the ca ncella tion
of your cover, therefore if you ca nnot pa y the full a rrea rs , you mus t conta ct us before the da te ha s pa s s ed to dis cus s a lterna tive
options where pos s ible.

I am struggling to make my payments, what should I do?

We ca re a bout our cus tomers a nd a re here to help. We unders ta nd tha t there a re times where fina ncia l difficulties ca n a ris e. If
you find yours elf in this pos ition, we pres ently offer a number of a lterna tive options to s upport you in ma king your pa yments which
ca n be found a t www.gra nitefina nce.co.uk/mis s ed-pa yment-options .

Alterna tively, if you would like to s pea k with s omeone then you ca n ca ll our cus tomer s ervices tea m on 01704 339 500.

If you a re experiencing fina ncia l difficulties in ma king the pa yments a nd bringing your a ccount up to da te, plea s e note tha t free
independent a dvice a nd a s s is ta nce ca n be obta ined from s pecia lis t orga nis a tions , which include thos e below:

Money Advice Service – 0800 138 7777 (https ://www.moneya dvices ervice.org.uk/en)
Money Advice Scotla nd – 0141 572 0237
Advice UK – 0300 777 0107

What if I find myself experiencing financial difficulties as a result of COVID-19?

Gabor Farkas 05/04/2022 8:32:30 PM GMT
 We unders ta nd tha t ma ny of our cus tomers ma y be experiencing fina ncia l difficulties a nd other circums ta nces a s a res ult of the
pa ndemic, which ma y a ffect your a bility to keep up with your us ua l pa yments .

We a re here to try a nd help you during this difficult time a nd we ha ve worked out a number of different options which ma y help
you s hould you find yours elf in this pos ition. In order to view thes e options plea s e go
to https ://www.a cornins ure.co.uk/corona virus -help/

Can I settle my finance agreement early?

Yes . We wa nt to be flexible to meet our cus tomers ’ needs s o you ca n s ettle your fina nce a greement a t a ny s ta ge during your policy
by pa ying the outs ta nding ba la nce. Plea s e conta ct us on 01704 339 500 for a s ettlement figure quota tion.

I want to make a complaint. How can I do this?

Our cus tomers a re a t the hea rt of everything we do, a nd it is our goa l to provide a high level of s ervice to our cus tomers a lwa ys .

However, we recognis e tha t things ca n go wrong occa s iona lly a nd if this occurs we a re committed to res olving ma tters promptly
a nd fa irly.

If you wis h to regis ter a compla int, plea s e conta ct us a nd we will try to put things right a s quickly a s pos s ible. You ca n compla in by:

Sending your compla int in writing to Gra nite Fina nce Ltd, 98 Liverpool Roa d, Formby, Mers eys ide L37 6BS,
Ca lling our cus tomer s ervices tea m on 01704 339 500
Ema iling us a t info@gra nitefina nce.co.uk.

In a ll ca s es plea s e quote:

Your policy number or fina nce a greement number;

The rea s on for the compla int;
The bes t conta ct number to rea ch you on if compla int is to be received by letter or ema il.

We will try a nd do our very bes t to res olve the compla int for you but if you ca nnot s ettle your compla int with us you ma y be entitled
to refer the ma tter s ubs equently to the Fina ncia l Ombuds ma n Service free of cha rge.

You mus t do s o within s ix months of our fina l res pons e letter. If you do not refer your compla int in time, the Ombuds ma n will not
ha ve our permis s ion to cons ider you compla int a nd s o will only be a ble to do s o in very limited circums ta nces , for exa mple, if the
Ombuds ma n believes tha t the dela y wa s a s a res ult of exceptiona l circums ta nces . You ca n conta ct the Fina nce Ombuds ma n a t
Service Excha nge Tower, London. E14 9SR or by ca lling 0800 023 4567, or ema iling compla in.info@fina ncia l-ombuds ma n.org.uk .

Further informa tion is a va ila ble a t http://www.fina ncia l-ombuds ma n.org.uk/. If you decide to refer a ny ma tter to the Fina ncia l
Ombuds ma n Service, your lega l rights will not be a ffected.

How does Granite Finance use my personal information?

Gra nite Fina nce Ltd res pects your priva cy a nd is committed to protecting your pers ona l da ta .
To expla in how we collect a nd proces s your pers ona l da ta , plea s e vis it www.gra nitefina nce.co.uk a nd click on the ‘Priva cy policy’
button a t the bottom of the pa ge.

Gabor Farkas 05/04/2022 8:32:30 PM GMT