STANDARD EUROPEAN CONSUMER CREDIT INFORMATION FORM INFORMATION NOTICES

NAME AND CONTACT DETAILS OF THE CREDITOR SUBSEQUENT HIGH COST CREDIT (H.C.C.) AGREEMENT INFORMATION
Creditor: JORDAN ESTATES LIMITED Address: WESTGATE The information below represents the total of all highcost credit agreements with
Phone: 041 9837585 DROGHEDA us, excluding any other lenders but including the amount for this application.

Email: INFO@[Link] CO. LOUTH Total balance due: €680.00

Ref: CC33055 A92 RH51 Total number of high cost credit agreements: 1

DETAILS OF THE APPLICANT Aggregated payment due on first repayment

date of the new agreement: € 18.89
Customer Name: MASOUD ELYASI Customer Ref: C401938
Customer Phone: 0831130000 Agreement Ref: M067459 Date of final repayment on the longest agreement: 06/10/2024

DESCRIPTION OF THE MAIN FEATURES OF THE CREDIT PRODUCT OTHER IMPORTANT LEGAL ASPECTS
The Type of Credit: Fixed Sum Loan Right of withdrawal: You have the right to withdraw within 14 calendar days. You
The Total Amount of Credit: need no reason.
This means the total sums made available under the agreement Total Amount of credit: €500.00 Early repayment: You have the right to settle all or part of the agreement early by
giving written or oral notice.
The Conditions governing the drawdown. By the creditor on the day the agreement is executed or
This means how and when you will obtain the money as per the customer’s instructions Right to a draft credit agreement: You have the right to a draft credit agreement
The duration of the credit agreement: 36 Weeks free of charge, unless the creditor, at the time of the request, is unwilling to
proceed to the conclusion of the credit agreement with you.
Instalments and, where appropriate, the order in which the First Payment of €18.90 followed by 34
instalments will be allocated: payments of €18.89 and a Consultation with a credit reference agency: If the creditor decides not to
Final payment of €18.91. First repayment is due 1 proceed with your application based on the results of a consultation with a credit
repayment interval after the date of the loan. reference agency database, the creditor must inform you immediately and without
The total amount you will have to pay:
This means the amount of borrowed capital plus interest and Total Amount of credit: €500.00 charge of the result of the consultation and details of the credit reference agency.
possible related costs Total Charge for credit: €180.00
Total Amount repayable: €680.00

COST OF CREDIT INFORMATION NOTICE ABOUT CREDIT FROM A LICENSED H.C.C. PROVIDE
The borrowing rate which applies to the credit agreement: Interest will be charged at rate of 36.00% Warning! This is high-cost credit. This company is a provider of high-cost credit.
per annum rate of 52.00% Consider alternative options before applying for this credit, including alternatives
Annual Percentage Rate of charge (APR): from other lenders regulated by the Central Bank of Ireland. For example:
The total cost expressed as an annual percentage of the total credit. APR 148.64  Shop around in order to know whether you can obtain credit on terms better
The APR is there to help you compare between offers. suited to you.
 If you are struggling to manage your finances, talk to your creditors to agree
Is it compulsory, in order to obtain the credit or to obtain on  an insurance policy securing the credit: NO a payment plan and ask the Money Advice and Budgeting Service for help.
the terms and conditions marketed, to take out:  another ancillary service contract: NO You can find more information on the MABS website at [Link].
 If you are in receipt of social welfare payments, you may qualify for
Related Costs: additional financial support which may address your immediate financial
Any other costs deriving from the credit agreement: Description: Optional charge for home-collected payments. needs. Contact your local citizens information office for more information.
Conditions under which the above mentioned costs related Details: 0% of the amount of credit above is included in the
to the credit agreement can be changed charges Our high cost credit agreements range from having an APR of 71.34 and a cost of
credit of €30.00 per €100 borrowed, to an APR of 152.67 and a cost of credit of
Cost in the case of late payment: €25.00 per €100 borrowed.
Missing payments could have severe consequences for you and make We reserve the right to charge you any legal costs we incur We will assess your creditworthiness in accordance with regulatory requirements.
obtaining credit more difficult. for dishonoured cheques and default Before providing credit, we will seek such information from you.

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Application: Page 1 of 6
INFORMATION NOTICE

IF YOU REQUIRE THIS CREDIT TO PAY FOR ACCOMMODATION, FOOD, ELECTRICITY, HEATING, MEDICATION OR OTHER SIMILAR COSTS, PLEASE READ THE BELOW INFORMATION CAREFULLY
 If you require this credit to pay for accommodation, food, electricity, heating, medication or other similar costs, availing of credit from a moneylender may not be in your best interests. You can find more information on the Money
Advice and Budgeting Service website at [Link], including in relation to the debt counselling services of the Money Advice and Budgeting Service. MABS can be contacted on 0818-072000.
 If you would like to take time to consider your options prior to completing a credit application further, please do so. However, you can proceed with your credit application if you wish. If you choose not to proceed with your credit
application today, you can contact us again should you wish to discuss future credit.

GDPR / PRIVACY NOTICE - THIS EXPLAINS HOW AND WHY WE ACQUIRE AND USE YOUR PERSONAL INFORMATION THE CENTRAL CREDIT REGISTER
 We acquire and use your personal information in accordance with General Data Protection Regulation (GDPR) (EU) 2016/679. NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide
 This is to comply with our legal and regulatory obligations and fulfil our legitimate interests of promoting responsible lending & managing risk. personal and credit information for credit applications and credit agreements of
We collect information about you: €500 and above to the Central Credit Register.
 As part of your loan application and during the term of the agreement. This information will be held on the Central Credit Register and may be used by
 From you and from searches of Credit Reference Agency records relating to you, and from third parties e.g. credit brokers where you have other lenders when making decisions on your credit applications/agreements.
provided information to them and consented for it to be passed on.
 This includes your name, address, PPSN, date of birth, contact details, marital status, employment information, credit record, and records of your  The Central Credit Register is owned and operated by the Central Bank
account. We only collect information that is relevant. of Ireland. For more information see [Link].
 If you do not provide us with your information, we will not be able to lend to you.  The credit provider is required to send personal information about its
We store your information: customers, credit application information and credit information about
 Within the European Economic Area (EEA). your loan(s) to the CCR monthly.
 We may transfer your data outside the EEA but will ensure that before we do so, there is adequate protection in place to ensure the security of
 Your application and loan information will be stored securely on the CCR
your data. where it will be used to create your credit report.
We use your information to:
 Make credit decisions about you.  The CCR will not calculate a score or grade for your credit report, nor will
it indicate if you are eligible for a loan.
 Communicate with you by telephone, email, SMS or post.
 Prevent fraud and money laundering.  You can request your credit report at any time free of charge. Contact
 Report to our regulator, the Central Bank of Ireland, where we are required to do so. the Central Credit Register to do this.
We keep your information:  Employers, landlords, or any other person or entity cannot access your
 For as long as it is needed to manage your account and for at least 7 years afterwards unless a longer period is required by law. credit report without your written consent.
 We may retain information for longer periods to fulfil our legitimate interest to manage our risk based on your account.
 Lenders may only access your credit report when considering an
We may share your information with:
application for a new loan, if you ask to change the terms of a loan, or if
 Third parties to which we transfer, charge or assign your agreement or which manage your loan or provide services to us.
they are reviewing a loan in arrears.
 Law enforcement agencies or regulatory bodies where we are required to do so by law.
 Credit Reference Agencies where we may report positive, delinquent and default data about your account(s) on a regular basis. This information  You can insert a 200-word explanatory statement on your credit report.
may be supplied to other organisations that search your credit record.  You can make a report to the Central Credit Register if you reasonably
 Note: When Credit Reference Agencies receive a search from us they place a search note on your credit file whether or not the application believe that someone has, is, or is about to impersonate you.
proceeds. Records remain on their files for up to 5 years after they are closed whether settled by you or defaulted.  Your data will be kept on the CCR for five years after your loan is paid
You have the right to: off.
 Access the information we hold about you.
 Ask us to change your information to make it accurate and up to date.
 Ask us to stop or limit our use of or to delete your information in certain circumstances.
 Receive your information in a format that suits you.
 Transfer your information to a third party.
 Be told which Credit Reference Agencies we have used and obtain a copy of your file from those Credit Reference Agencies.
Contact:
 If you have a question, want to exercise your rights, or make a complaint please contact our office (at the number above) and ask for Data
Protection.
 If we cannot resolve your complaint, you may contact the Data Protection Commissioner at 076 110 4800 or info@[Link].

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Application: Page 2 of 6
CREDIT APPLICATION FORM APPLICATION CONFIRMATIONS

NAME AND CONTACT DETAILS OF THE CREDITOR APPLICATION DETAILS

Creditor: JORDAN ESTATES LIMITED Address: WESTGATE Customer Number: C401938
Phone: 041 9837585 DROGHEDA Loan Number: M067459
Email: INFO@[Link] CO. LOUTH Agent Number: 777
Ref: CC33055 A92 RH51 Application Date: 28/01/2024

Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from
other lenders regulated by the Central Bank of Ireland

PERSONAL INFORMATION INCOME (WEEKLY)

Forename: MASOUD Surname: ELYASI Net Wages 600.00
Gender: Male Date of Birth: 10/08/1986 Family Allowance 0.00
Mobile: 0831130000 Landline: [[Link]] Social Welfare 0.00
Email: ELYASI@[Link] Family Contributions 0.00
Other Income 1 0.00
Address: 510 AVIARY HOUSE WINDMILL STREET Home Status: Tenant Other Income 2 0.00
[[Link].line2] Years: 8 EXPENDITURE (WEEKLY)
Town: LIMERICK
Rent / Mortgage 80.00
County: LIMERICK EirCode: V94W5X4
Finance Payments 0.00
Energy / Insurance 0.00
Marital Status: Single No. Dep. Child: 0
House Keeping / Groceries 0.00
No. Non-Dep C: 0 TV/Cable/Phone 0.00
Transport 0.00
Employ. Status: Full Time Occupation: SECURITY GUARD Childcare 0.00
Years Receation 0.00
Employer: G4S SECURITY 5
Employed: Motor 0.00
G4S OFFICE, GALVONE INDUSTRIAL ESTATE, GALVONE, ROXBORO, CO. Other 0.00
Address:
CREDIT DETAILS AFFORDABILITY

CREDIT AMOUNT CREDIT TYPE DOCUMENTATION TYPE DURATION Total Income: 600.00
Total Expenditure: 80.00
€500.00 Cash Electronic 36 weeks
Discretionary Income: 520.00
INTEREST CHARGE INTEREST RATE PER-ANNUM RATE APR Affordable Payment: 0.00

€180.00 36.00% 52.00% 148.64 NOTES

COLLECTION CHARGE FIRST PAYMENT FOLLOWED BY 34 WEEKS @ PLUS LAST PAYMENT

€0.00 €18.90 €18.89 €18.91

TOTAL COST OF CREDIT LOAN DELIVERY METHOD PAYMENT METHOD SIGNATURE METHOD
€180.00 Bank Transfer Giro Cust Phone

TOTAL REPAYABLE REASON FOR LOAN

€680.00 ---

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Application: Page 3 of 6
COMPLAINTS AND REDRESS PROCEDURE TERMS & CONDITIONS

WE WILL MAKE EVERY EFFORT TO RESOLVE ANY COMPLAINTS AS QUICKLY AS POSSIBLE ENTERING A CREDIT AGREEMENT WITH THE LENDER MEANS THAT:
Phase 1: A complaint can be made by contacting our offices by writing or by phone and every effort will be made to resolve the You Must:
matter speedily and to your satisfaction.  Tell us within 10 days if you change your name, address, email address or mobile number.
Generally:
Phase 2: Unresolved complaints may, if you wish, be referred to the Director of the Consumer Credit Association, Westgate,
Drogheda (tel. 041 983 7585) who will arrange advice and conciliation as appropriate. A nominal fee may be charged to you and  Because you are obliged to tell us when you change address, email or mobile number all
to the lender as determined by the association. Your portion of the fee is immediately refundable if your complaint is upheld. correspondence sent by post to the address as stated on your agreement or to your present
or last known address, or email address, or mobile phone number, shall be deemed validly
Phase 3: If your complaint remains unsatisfied you can seek assistance from the Financial Services and Pensions Ombudsman, given and shall be deemed to have been received on the day on which, in the ordinary course
Lincoln House, Lincoln Place, Dublin 2 (tel. 01 567 7000, email info@[Link]), who will attempt to resolve the complaint by of post or email or text messages, such notices would have reached you.
advising or assisting the parties concerned. We May:
 If you have signed separately giving us permission, visit, text or phone you between 8AM and
THE CONSUMER CREDIT ASSOCIATION - CODE OF PRACTICE
10AM.
Promoting high standards of business and consumer relations in the home collected credit industry. The Consumer Credit  Visit or phone your place of work.
Association represents the majority of businesses in the Home Collected Credit Industry and is the focal point for contact by  Approach your family, if you request or are difficult to contact, or if they answer the door or
government, local authorities, other financial sector representative bodies, the media and consumer groups who have an interest phone when we call.
in the industry.  Approach or contact you at your place of employment if you request or are difficult to contact.
The Association has over 400 full and associate members (in the UK and ROI) who range from large public limited companies to  Assign the agreement in writing to another person or persons.
small firms operating at a local level within the community.  If we temporarily relax the terms of the agreement at any time decide to enforce the terms
strictly again.
The Home Collected Credit Industry relies on personal relationships with its customers. Home Credit businesses provide credit
You Agree:
services primarily in the form of cash loans or the sale of consumer goods or gift vouchers on credit. Repayments are typically on
 To pay us the instalments set out in the agreement.
a weekly basis. Loan and credit sale agreements are usually transacted in the consumer’s own home or at the creditor’s local
 To make the repayment book available to us on request to enable us to complete, inspect or
office.
remove for audit (a receipt will be provided).
The Association has a Code of Practice to which ALL its members must subscribe. If you would like a copy of the Consumer You Acknowledge:
Credit Association’s Code of Practice or information about your rights as a consumer in relation this agreement, contact:  You will receive a true copy of the agreement within 2 weeks.
The Consumer Credit Association (Republic of Ireland)  The loan/amount of credit is for your own personal use only.
 You have read, understood and accepted the warnings, notices, terms and conditions provided
Westgate, Drogheda, County Louth.
by the lender during the application process.
Telephone: 041 9837585
 Late or missed payments could affect your credit record making it more difficult for you to
Email: ccaireland@[Link] obtain credit in the future.
 We reserve the right to charge you any legal costs we incur for dishonoured cheques and
default.

EARLY SETTLEMENT
I understand I have the right to settle this agreement early, in part of in full, and will be entitled to
a reduction in the cost of the credit, calculated using the rule of 78s, in accordance with Section
19.1 of the European Communities (Consumer Credit Agreement) Regulations 2010.

WITHDRAWAL OF CONSENT TO CALL BETWEEN 8AM AND 10AM RIGHT TO WITHDRAW

You can withdraw previously given consent for your agent to call between 8AM and 10AM by informing your agent or our office. I understand I have the right to withdraw (I need no reason) from this agreement up to 14 days
after I receive the executed copy by contacting the Creditor (or their agent), in writing or orally. If I
withdraw I must repay the Creditor without delay and no later than 30 calendar days after giving
notice of withdrawal, the credit and any interest accrued to the date payment is completed.

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Application: Page 4 of 6
HIGH COST CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1995 (AS AMENDED) SIGNATURE DETAILS
Agent: 777 - Jordan Loans Aidan
NAME AND CONTACT DETAILS OF THE CREDITOR APPLICATION DETAILS Customer Ref: Cassidy
Customer Name: C401938
Creditor: JORDAN ESTATES LIMITED Address: WESTGATE Customer Number: C401938
Address: MASOUD ELYASI
Phone: 041 9837585 DROGHEDA Loan Number: M067459
510 AVIARY HOUSE WINDMILL
Email: INFO@[Link] CO. LOUTH Agent Number: 777 Loan Ref: STREET, [[Link].line2]
Ref: CC33055 A92 RH51 Application Date: 28/01/2024 Week / Date: LIMERICK, LIMERICK
Loan Amount: M067459
Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from Total Charges: 202404 / 28/01/2024
Total Repayable: € 500.00
other lenders regulated by the Central Bank of Ireland
Weekly Repayment: € 180.00
€ 680.00
PERSONAL INFORMATION INCOME (WEEKLY) € 18.90 / € 18.89 / € 18.91

Forename: MASOUD Surname: ELYASI Net Wages 600.00 I am aware that if I get overindebted I should contact
Gender: Male Date of Birth: 10/08/1986 Family Allowance 0.00 the company first to discuss my financial situation. If no
Mobile: 0831130000 Landline: [[Link]] Social Welfare 0.00 resolution is forthcoming I should then contact my
local MABS office on lo-call 0818-072000.
Email: ELYASI@[Link] Family Contributions 0.00
Other Income 1 0.00 I confirm that I received a copy of and read:
Address: 510 AVIARY HOUSE WINDMILL STREET Home Status: Tenant Other Income 2 0.00 • the Pre-Contract Credit Information
• the Terms and Conditions and
[[Link].line2] Years: 8 EXPENDITURE (WEEKLY) • the regulatory warnings
Town: LIMERICK before completing this agreement.
Rent / Mortgage 80.00
County: LIMERICK EirCode: V94W5X4
Finance Payments 0.00 I certify that the information on this form is correct and
Energy / Insurance 0.00 complete and that the income and expenditure shown
Marital Status: Single No. Dep. Child: 0 here is a true reflection of my current financial situation
House Keeping / Groceries 0.00
No. Non-Dep C: 0 TV/Cable/Phone 0.00
and this leaves me in a position to afford the
repayments on this agreement.
Transport 0.00
Employ. Status: Full Time Occupation: SECURITY GUARD Childcare 0.00 By Signing (below), I offer to contract with you on the
Years Receation 0.00 terms of this agreement, which I have read and
Employer: G4S SECURITY 5
Employed: Motor 0.00 understand, and agree to be bound by them and I
G4S OFFICE, GALVONE INDUSTRIAL ESTATE, GALVONE, ROXBORO, CO. acknowledge receipt of the full amount of credit
Address: Other 0.00

CREDIT DETAILS AFFORDABILITY

CREDIT AMOUNT CREDIT TYPE DOCUMENTATION TYPE DURATION Total Income: 600.00
Total Expenditure: 80.00
€500.00 Cash Electronic 36 weeks
Discretionary Income: 520.00
INTEREST CHARGE INTEREST RATE PER-ANNUM RATE APR Affordable Payment: 0.00
ELYASI, MASOUD - 28/01/2024
€180.00 36.00% 52.00% 148.64 NOTES

COLLECTION CHARGE FIRST PAYMENT FOLLOWED BY 34 WEEKS @ PLUS LAST PAYMENT

€0.00 €18.90 €18.89 €18.91

TOTAL COST OF CREDIT LOAN DELIVERY METHOD PAYMENT METHOD SIGNATURE METHOD
€180.00 Bank Transfer Giro Cust Phone

TOTAL REPAYABLE REASON FOR LOAN Signed on behalf of creditor

777, Jordan Loans Aidan Cassidy - 28/01/2024
€680.00 ---

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Application: Page 5 of 6
COMPLAINTS AND REDRESS PROCEDURE TERMS & CONDITIONS

WE WILL MAKE EVERY EFFORT TO RESOLVE ANY COMPLAINTS AS QUICKLY AS POSSIBLE ENTERING A CREDIT AGREEMENT WITH THE LENDER MEANS THAT:
Phase 1: A complaint can be made by contacting our offices by writing or by phone and every effort will be made to resolve the You Must:
matter speedily and to your satisfaction.  Tell us within 10 days if you change your name, address, email address or mobile number.
Generally:
Phase 2: Unresolved complaints may, if you wish, be referred to the Director of the Consumer Credit Association, Westgate,
Drogheda (tel. 041 983 7585) who will arrange advice and conciliation as appropriate. A nominal fee may be charged to you and  Because you are obliged to tell us when you change address, email or mobile number all
to the lender as determined by the association. Your portion of the fee is immediately refundable if your complaint is upheld. correspondence sent by post to the address as stated on your agreement or to your present
or last known address, or email address, or mobile phone number, shall be deemed validly
Phase 3: If your complaint remains unsatisfied you can seek assistance from the Financial Services and Pensions Ombudsman, given and shall be deemed to have been received on the day on which, in the ordinary course
Lincoln House, Lincoln Place, Dublin 2 (tel. 01 567 7000, email info@[Link]), who will attempt to resolve the complaint by of post or email or text messages, such notices would have reached you.
advising or assisting the parties concerned. We May:
 If you have signed separately giving us permission, visit, text or phone you between 8AM and
THE CONSUMER CREDIT ASSOCIATION - CODE OF PRACTICE
10AM.
Promoting high standards of business and consumer relations in the home collected credit industry. The Consumer Credit  Visit or phone your place of work.
Association represents the majority of businesses in the Home Collected Credit Industry and is the focal point for contact by  Approach your family, if you request or are difficult to contact, or if they answer the door or
government, local authorities, other financial sector representative bodies, the media and consumer groups who have an interest phone when we call.
in the industry.  Approach or contact you at your place of employment if you request or are difficult to contact.
The Association has over 400 full and associate members (in the UK and ROI) who range from large public limited companies to  Assign the agreement in writing to another person or persons.
small firms operating at a local level within the community.  If we temporarily relax the terms of the agreement at any time decide to enforce the terms
strictly again.
The Home Collected Credit Industry relies on personal relationships with its customers. Home Credit businesses provide credit
You Agree:
services primarily in the form of cash loans or the sale of consumer goods or gift vouchers on credit. Repayments are typically on
 To pay us the instalments set out in the agreement.
a weekly basis. Loan and credit sale agreements are usually transacted in the consumer’s own home or at the creditor’s local
 To make the repayment book available to us on request to enable us to complete, inspect or
office.
remove for audit (a receipt will be provided).
The Association has a Code of Practice to which ALL its members must subscribe. If you would like a copy of the Consumer You Acknowledge:
Credit Association’s Code of Practice or information about your rights as a consumer in relation this agreement, contact:  You will receive a true copy of the agreement within 2 weeks.
The Consumer Credit Association (Republic of Ireland)  The loan/amount of credit is for your own personal use only.
 You have read, understood and accepted the warnings, notices, terms and conditions provided
Westgate, Drogheda, County Louth.
by the lender during the application process.
Telephone: 041 9837585
 Late or missed payments could affect your credit record making it more difficult for you to
Email: ccaireland@[Link] obtain credit in the future.
 We reserve the right to charge you any legal costs we incur for dishonoured cheques and
default.

EARLY SETTLEMENT
I understand I have the right to settle this agreement early, in part of in full, and will be entitled to
a reduction in the cost of the credit, calculated using the rule of 78s, in accordance with Section
19.1 of the European Communities (Consumer Credit Agreement) Regulations 2010.

WITHDRAWAL OF CONSENT TO CALL BETWEEN 8AM AND 10AM RIGHT TO WITHDRAW

You can withdraw previously given consent for your agent to call between 8AM and 10AM by informing your agent or our office. I understand I have the right to withdraw (I need no reason) from this agreement up to 14 days
after I receive the executed copy by contacting the Creditor (or their agent), in writing or orally. If I
withdraw I must repay the Creditor without delay and no later than 30 calendar days after giving
notice of withdrawal, the credit and any interest accrued to the date payment is completed.

JORDAN ESTATES LIMITED IS REGULATED BY THE CENTRAL BANK OF IRELAND. 1 Wapping Street, North Wall Quay, Dublin 1. Credit Applicationt: Page 6 of 6