The contract and the repayment schedule: what must be inside
Short answer
A consumer credit agreement is concluded in writing and has mandatory content set by law, and the consumer receives a copy together with a repayment schedule.
The elements you check immediately
The parties and their details, the amount of credit, the term, the borrowing rate and the conditions for applying it, the APR and the total amount payable, the number and size of instalments, the fees, the conditions for early repayment and for withdrawal. A missing or incorrect element is not a small formality — it is a ground for dispute.
Why the repayment schedule is the most useful page
The schedule shows how each instalment is split between principal, interest and fees, and what remains after it. That is where you see what is actually being paid at the start of the term — and how much of the instalment really reduces the debt.
Your copy, and later changes
The consumer is entitled to a copy of the contract. Keep it together with the general terms and the tariff in force on the signing date — in a dispute what matters is the version in force then, not the text uploaded to the website today.
Frequently asked questions
- Can the general terms be changed unilaterally?
- Changes are limited by the law and by the contract itself, and unfair terms do not bind the consumer. That is why the version in force at conclusion is kept.
- What if I was not given a repayment schedule?
- The schedule is part of the information owed to the consumer. Its absence is raised in writing so that the request is documented.
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