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Your credit-sale agreement on Anytime Upgrade
iPhone X 64GB Space Grey
Make sure you're happy with sections 1 and 2. Section 3 is your credit-sale agreement, where we explain how we treat your personal information.

1
Using credit to buy your phone or tablet - explanatory information
1. What is the credit-sale agreement for?
This agreement allows you to buy your new phone or tablet from Tesco Mobile Limited using the credit described below.

2. Your total amount of credit and your monthly payments
Your total amount of credit is £1124.70. If you are a new Pay monthly customer, we will take your first payment of £37.49 today and you'll repay the rest by monthly Direct Debit payments of £37.49 each month for 29 months. If you are an existing Pay monthly customer, you'll repay the credit using your registered payment method to make payments of £37.49 each month for 30 months; however, we recommend that you make your payments by Direct Debit to avoid charges you may incur from your payment card provider. This credit-sale agreement is 0% APR.

3. Is this credit-sale agreement right for you?
You can see from point 2 above that this is a fixed period credit-sale agreement, where you'll be making fixed payments over a set period of time. You can, however, always pay early without any additional charges.

You should consider carefully if this type of commitment is suitable for you.

4. What happens if you don't make the payments?
If you don't make the payments in accordance with the credit-sale agreement, there may be serious consequences. For example, you could be sued for the debt (and the costs of suing you) and your credit reference file could be affected negatively. These things are likely to make it harder for you to obtain credit in general in the future.

5. Your right to withdraw from the credit-sale agreement
You have the right to withdraw from the credit-sale agreement without giving any reason before the end of 14 days beginning with the day after the day on which the agreement is made, or, if later, the day after the day on which you receive a copy of the executed agreement. This is a right you have under the Consumer Credit Act. If you do withdraw in this way, you must repay to us the total amount of credit without delay and within 30 calendar days beginning the day after the notice to withdraw if given by you to us.

6. Tesco Mobile Pay monthly Service Agreement
As well as entering into a credit-sale agreement, you will enter into a Tesco Mobile Pay monthly Service Agreement on or before the date of the credit-sale agreement. You must make a monthly payment under the Tesco Mobile Pay monthly Service Agreement in addition to the monthly repayments for the phone or tablet you buy from us.

7. Your Right to cancel the agreement and return the phone
As well as your right to withdraw from the credit-sale agreement under the Consumer Credit Act (see above), we give you a right to cancel the agreement for up to 14 working days after the day you receive your phone or tablet. To do this, you must tell us that you want to cancel and you must then return the phone or tablet to us in the same condition in which you received it in its original and undamaged packaging with all of its components and any accessories. If you buy the phone or tablet from our Phoneshop then you should go back there if you decide to cancel. If you buy it Online or through Telesales then you should phone 0345 301 4455.

8. Pre-Contract Credit Information
In addition to this explanatory information, you will be provided with a Pre-Contract Credit Information document known as Standard European Consumer Credit Information. This document contains detailed information about the credit-sale agreement including the amount you will have to repay. If you are buying the phone or tablet from a Phoneshop, you can ask to be given a print of the Pre-Contract Credit Information (which you can take away) or ask for it to be emailed to you, or both. If you are buying the phone or tablet Online or through Telesales, you can click on the button to have a copy emailed to you.

You should take your time to read through the Pre-Contract Credit Information to check that the credit-sale agreement will be suitable for you.

2
PRE-CONTRACT CREDIT INFORMATION
(Standard European Consumer Credit Information)
1 Contact details
Creditor
Tesco Mobile Limited
Address
Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA
Telephone number(s)
0345 301 4455 or 4455 from a Tesco Mobile phone
Web address
tescomobile.com/contact-us
2 Key features of the credit product
The type of credit.
Credit to purchase device(s) (Credit-sale agreement).
The total amount of credit
This means the amount of credit to be provided under the proposed credit agreement or the credit limit.
£1124.70
How and when credit would be provided.
You'll receive the credit from us in the form of a deferred payment for the device(s) that we supply to you. We'll give you this credit on the date the credit-sale agreement is made.
The duration of the credit agreement.
30 months from the date of the credit-sale agreement.
Repayments.
If you are a new Pay monthly customer, we will take your first payment of £37.49 when you enter into the agreement and you'll repay the rest by payments of £37.49 each month for 29 months.
If you are an existing Pay monthly customer, you'll repay the credit by payments of £37.49 each month for 30 months.
The total amount you will have to pay.
This means the amount you have borrowed plus interest and other costs.
£1124.70
The proposed credit will be granted in the form of a deferred payment for goods or service.
Description of goods.
Cash price.
Apple iPhone X 64GB
£1124.70
3 Costs of the credit
The rates of interest which apply to the credit agreement.
0% p.a.
Annual Percentage Rate (APR).
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.
0% APR
Related costs
Costs in the case of late payments.
There are no charges for late or missed payments.
Consequences of missing payments.
Missing payments could have severe consequences. We may take legal proceedings against you. Missing payments may also have a negative impact on your credit reference file, making it more difficult to get credit in the future.
4 Other important legal aspects
Right of withdrawal.
You have the right to withdraw from the credit-sale agreement without giving any reason before the end of 14 days beginning with the day after the day on which the agreement is made, or, if later, the day after the day on which you receive a copy of the executed agreement under Section 61A of the Consumer Credit Act 1974.
Early repayment.
You have the right to repay the credit early at any time in full or partially.
Consultation with Credit Reference Agency.
If we decide not to proceed with a prospective regulated consumer credit-sale agreement on the basis of information from a credit reference agency we must, when informing you of this decision, inform you that it has been reached on the basis of information from a credit reference agency. We will give you details of the credit reference agency consulted.
Right to a draft credit agreement.
You have the right upon request to obtain a copy of the draft credit-sale agreement free of charge, unless we are unwilling at the time of your request to proceed to the conclusion of the credit-sale agreement.
The period of time during which the creditor is bound by the pre-contractual information.
This information is valid for 48 hours from receipt by you.
5 Additional information in the case of distance marketing of financial services
(a) Concerning the creditor
Registration number.
FCA reference number: 723698
Company registration number: 04780736 (registered in England)
The supervisory authority.
The Financial Conduct Authority
(b) Concerning the credit agreement
The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement.
English law
The law applicable to the credit agreement and/or the competent court.
English law
Language to be used in connection with the credit agreement.
Information and communications relating to the credit-sale agreement will be in English.
(c) Concerning redress
Access to out-of-court complaint and redress mechanism.
If you are not a business customer, you have the right to complain to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by post at the Financial Ombudsman Service, Exchange Tower, London E14 9SR, by telephone on 0800 023 4567 or by email to complaint.info@financial-ombudsman.org.uk. If you are a business customer then you may have a right to complain to the Financial Ombudsman Service.
3
CREDIT-SALE AGREEMENT REGULATED BY CONSUMER CREDIT ACT 1974
(CREDIT-SALE AGREEMENT)
Agreement Number: 0031801001694088
Parties
Tesco Mobile Limited of Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA ("we/us")
Michalea Kemp of 26 HIGHFIELD ROAD, MALTON, YO17 7DB and traxar.man@gmail.com ("you"/the "Customer")
Description of Goods
Device(s):
Apple iPhone X 64GB
("Devices")
Cash price (including VAT at 20%):
Apple iPhone X 64GB £1124.70 (including VAT of £187.45)
Total £1124.70 (including VAT of £187.45)
Total cash price:
£1124.70
Financial particulars
Advance payment:
You have made an advance cash payment for the device(s) of £0.00.
Amount of credit:
£1124.70
How and when credit will be provided:
You'll receive the credit from us in the form of a deferred payment for the Device(s) that we supply to you. We'll give you this credit on the date this credit-sale agreement is made.
Duration of agreement:
30 months
Total charge for credit:
No charge
Rate of Interest:
0% p.a. The rate of interest is fixed for the duration of the agreement
APR:
0% The total amount payable under the agreement is not greater than the total cash price of the Device(s).
Total amount payable:
£1124.70
Repayments:
If you are a new Pay monthly customer you must make an initial payment of £37.49. Then 29 equal instalments of £37.49 on the 15th of each month, beginning on 15 Feb 2018.
If you are an existing Pay monthly customer you must make 30 equal payment instalments of £37.49 on the 15th of each month, beginning on 15 Feb 2018.
Missing payments
Missing payments could have severe consequences. We may take legal proceedings against you. Missing payments may have a negative impact on your credit reference file, making it more difficult to get credit in the future.
Statement of account
You are entitled, under Section 77B of the Consumer Credit Act 1974 ("the Act"), to receive a statement of account in the form of a table on request and free of charge at any time during the period of this agreement. This will show the details of each instalment owing under this agreement, the date on which each instalment is due, the amount and any conditions relating to its payment and a breakdown of each instalment showing how much comprises capital, interest and any other charges.
Right of withdrawal
Under Section 66A of the Act you have the right to withdraw from this agreement without giving any reason before the end of 14 days beginning with the day after the day on which the agreement is made, or, if later, the day after the day on which you receive a copy of the executed agreement.
If you withdraw, you must repay to us the Amount of credit without delay and within 30 calendar days beginning the day after the notice to withdraw is given by you to us.
If you withdraw you must give us notice of withdrawal by:
- telephoning 0345 301 4455 or 4455 from a Tesco Mobile phone
- writing to Tesco Mobile Limited, Dumers Lane, Radcliffe, Bury BL9 9QL
- visiting a Tesco Phone Shop
Right to repay early
You are entitled, under Section 94 of the Act, to repay what you owe us under this credit-sale agreement early, in whole or in part. You can do this by calling us on 0345 301 4455, or 4455 from your Tesco Mobile phone, and making payment using a debit card.
Ombudsman Scheme
If you are not a business customer, you have the right to complain to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by post at the Financial Ombudsman Service, Exchange Tower, London E14 9SR, by telephone on 0800 023 4567 or by email to complaint.info@financial-ombudsman.org.uk. If you are a business customer then you may have a right to complain to the Financial Ombudsman Service. Please contact us if you are in any doubt as to your rights.
Supervisory Authority
The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS is our supervisory authority under the Act.
Electronic communications
Except where the law otherwise requires, you agree that we may communicate with you and send you documents to your email address and via an online electronic system, which can be accessed by you online using the password and instructions provided to you by us.
How repayments are to be made
New Pay monthly customers - payments by direct debit
Existing Pay monthly customers - payments by your registered payment method. However, we recommend that you make your payments by Direct Debit to avoid charges you may incur from your payment card provider.
CREDIT-SALE AGREEMENT - TERMS AND CONDITIONS
1 Sale of the Goods
We agree to sell to you, and you agree to purchase, the Device(s) on the credit terms and conditions set out above and below.

2 Making payment and other obligations
You agree to:

2.1 Make payment

Pay the Repayments to us by Direct Debit or if you are an existing customer by way of your registered payment method, promptly by their due date. Prompt payment is essential.

2.2 Tesco Mobile Pay monthly Service Agreement

Enter into a Tesco Mobile Pay monthly Service Agreement on or before the date of this credit-sale agreement in relation to the Device(s).

2.3 Change of your details; electronic communications

Notify us within 7 days of any change of your address or of your name, or your email address or bank details. You must keep your unique security key to the online electronic system to access and print your consumer credit-sale agreement secure. You also agree to tell us promptly if you suspect or become aware that your unique security key for the online electronic system has been lost or become known to anyone else.

3 Implied Terms
We sell the Device(s) subject to the terms implied by the Consumer Rights Act 2015, including section 17 (relating to our title to the Device(s)), section 11 (relating to sale by description), sections 9 and 10 (relating to implied terms as to quality or fitness) and section 13 (relating to sale by sample). These terms and conditions do not affect or exclude any other terms implied by law.

4 Early repayment and variation
You may repay the Amount of credit early, in whole or in part, at any time. If you repay early in part we will reduce the period of the credit-sale agreement to accord with the remaining Repayments and give you notice of the variation in writing.

5 Your right to end this credit-sale agreement
In addition to your rights under clause 3, you may repay and end this credit-sale agreement at any time by giving us at least 30 days notice in writing and making payment of the amount applicable under clause 7.

6 Our right to end this credit-sale agreement
We may end this credit-sale agreement, if you break clause 2.1 or persistently break clause 2.3 of this credit-sale agreement, by giving you the required statutory notice in writing, including an opportunity to remedy any breach capable of remedy, and requiring you to make payment of the amount applicable under clause 7.

7 Your responsibility to us on termination
If you or we end this credit-sale agreement, you must pay us the outstanding balance of the Amount of credit plus any other sums which may have become due by you to us under this credit-sale agreement.

8 General
8.1 We may transfer our rights and obligations under this credit-sale agreement provided that this does not adversely affect your rights. You may not transfer your rights or obligations under this credit-sale agreement.

8.2 If any term in this credit-sale agreement shall not be enforceable, it will not affect the enforceability of the other terms.

9 Interpretation
9.1 In these Terms and Conditions:

(a) Clause headings are for ease of reference only and shall not affect the interpretation of any provision.

(b) "Devices", "Repayments" and "Amount of credit" shall have the meanings given to them above.

9.2 In this credit-sale agreement, words in the singular shall include the plural number and the reverse.

10 Sharing your information
10.1 General

We may use and share your information, information relating to your performance under this credit-sale agreement and other information about you available to us to identify you and consider your application for credit, to help us make informed business decisions, and to inform you about Tesco Group products and services.

10.2 Credit Reference Agencies

We will first search our own records, and if necessary the records at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register, about you. We will also add to your record with the credit reference agency details of your credit-sale agreement with us, the payments you make under it and any default or failure to keep to its terms. We may use credit scoring or other automated decision-making systems when assessing your application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us and other companies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners and you may be treated as financially linked, which means your application will be assessed with reference to any associated records.

10.3 Fraud Prevention Agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: checking applications for, and managing credit and credit related or other facilities; recovering debt; checking insurance proposals and claims; checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

10.4 Contacts

If you want to receive details of credit reference and fraud prevention agencies we use, please contact Customer Care by phoning 0345 301 4455, or 4455 from a Tesco Mobile phone, or by writing to Tesco Mobile Limited, Dumers Lane, Radcliffe, Bury BL9 9QL.

10.5 Monitoring and recording calls

We may monitor and record calls made to or by Customer Care for monitoring and training purposes and to improve the services we offer you.

10.6 Financial Conduct Authority

We are regulated by the Financial Conduct Authority and upon their request, may need to pass your information to them.

10.7 Tesco Group

We may pass your information to other members of the Tesco Group. We will never pass your information to anyone else, except where we have your permission, where we are required or permitted to do so by law, to other companies who provide a service to us and any successors in title to our business. Your information will never be released to companies outside the Tesco Group for their marketing purposes.

10.8 Copies

If you would like to obtain a copy of the information we hold about you, there's a £10 charge. Please either call us on 0345 301 4455 or 4455 from your Tesco Mobile phone or write to us at: Tesco Mobile Limited, Dumers Lane, Radcliffe, Bury BL9 9QL enclosing a cheque for £10 payable to Tesco Mobile Limited and any details to help us identify and locate your information.

11 Complaints about your credit-sale agreement
11.1 If you have a complaint about your credit-sale agreement, please contact Customer Care on 0345 301 4455 or 4455 from your Tesco Mobile phone. If you are still not happy, please ask to speak to a manager. If you would like to write to us with your complaint, please write to Tesco Mobile Limited, Dumers Lane, Radcliffe, Bury BL9 9QL.

11.2 If you remain unhappy or you think that we haven't dealt with your complaint satisfactorily within 8 weeks, you can refer your complaint to the following external regulatory body: Financial Ombudsman Service (FOS), telephone 08000 234 567 or www.financialombudsman.org.uk.

11.3 This credit-sale agreement is subject to and will be interpreted in accordance with English law. We will try to solve any disagreements quickly and efficiently. If you are not happy with the way we deal with any disagreement and you want to take court proceedings, you must do so in England, Scotland, Wales or Northern Ireland.

By signing, you will be legally bound by the Credit-sale Agreement and its Terms and Conditions.

Signature of Customer:
Signed for and on behalf of Tesco Mobile Limited
Tesco Mobile signature
Date of signature:   20/01/2018
I have read the explanatory information, the pre-contract credit information and the T&Cs listed above and accept them

Please read these T&Cs, then scroll down to tick the confirmation box at the end.

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