Common use of PAYING YOUR BILL Clause in Contracts

PAYING YOUR BILL. All payments you make to us must be in sterling, cover at least your minimum payment and arrive by the payment due date every month. To help make this as easy as possible, your monthly statement will tell you exactly how and when to make payments so they reach us on time. As this is a credit agreement, we will never pay interest to you for any balance on the account and you should not keep money in your account. For this reason, you need to make sure that you don’t pay more than your total outstanding balance (which would create a ‘positive balance’). If you do have a positive balance, we can return that balance to you, rather than leaving it in the account. If you have a Barclays current account, you authorise us to return any positive balance to that account. If you do not have a Barclays current account, you authorise us to return any positive balance to the same current account you use to pay your bill. We will write to you before transferring the money to give you the opportunity to ask us to return the balance to a different account. Statements and other information We’ll produce a monthly statement that shows the transactions made since your last statement and what payment is due to us that month. We may also give you notices that we must give you by law in your statement. These notices could be about overdue payments, default fees that have been added to your account, or a change that we plan to make to this agreement. As well as your statement and the notices which may be included in it, we will also provide you with information about your agreement with us. If we have agreed to do so, we will provide this information and your statement in the account servicing section of our website. We’ll tell you by email when your statement (and other information) is ready to view. You will then be able to access it by logging in to your online account. We’ll also send your statement (and other information) by post or email if you choose to receive information in those ways. Once we have sent you a notice or other message using your most recent contact details, we’ll assume that you have received it. The statement we send you will contain all the transactions made by all cardholders on your account. Additional cardholders will also have access to their individual statements online. If there is no balance or transactions on your account in a month, we will not send you a statement that month. If we can’t produce a statement for any reason, we’ll use your normal statement date to work out your next payment due date and any interest to be added, and let you know what it is. You’ll need to get in touch with us straight away if you think we’ve made a mistake on your statement. If you choose to have only paperless communications from us, you agree that the documents we provide electronically can be in PDF or another format which allows you to print or save the document to refer to in the future. We will not change any documents which we provide electronically. Documents are available in online servicing for 12 months and you should print or save them for your records.

PAYING YOUR BILL. All payments We will send you make to us must a bill at regular intervals. Some charges may be billed one month or more in sterling, cover at least advance or arrears. Please contact ACN Customer Services if you have any questions about your minimum payment and arrive by the payment due date every month. To help make this as easy as possible, your monthly statement will tell you exactly how and when to make payments so they reach us on time. As this is a credit agreement, we will never pay interest to you for any balance on the account and you should not keep money in your account. For this reason, you need to make sure that you don’t pay more than your total outstanding balance (which would create a ‘positive balance’)bill. If you do have wish to dispute any portion of a positive balance, we can return that balance to you, rather than leaving it in the account. If you have a Barclays current account, you authorise us to return any positive balance to that account. If bill you do not have a Barclays current account, you authorise us to return any positive balance to the same current account you use need to pay the disputed portion while we investigate whether there has been an error with your bill. We However, you must still pay the undisputed portion of your bill. If we agree that there is an error with your bill then we will write correct the bill and issue a credit or, if you are no longer a customer of ACN, a refund. If we find that there is no error and the due date for payment of the bill has already passed, you agree to pay any outstanding amount straight away. If your account is overdue, we may, on at least 7 Working Days' notice: # suspend any of the services that you before transferring the money to give you the opportunity to ask have asked us to return provide; # charge you a temporary disconnection charge and/or a reconnection charge; and # continue to charge you any recurring monthly charges applicable for those services during the balance to a different account. Statements and other information We’ll produce a monthly statement that shows the transactions made since your last statement and what payment is due to us that month. We may also give you notices that we must give you by law in your statement. These notices could be about overdue payments, default fees that have been added to your account, or a change that we plan to make to this agreement. As well as your statement and the notices which may be included in it, we will also provide you with information about your agreement with usperiod of suspension. If we have to spend money on collecting overdue amounts from you then you will reimburse us for those costs. If your account is overdue we may suspend all or some of the services we provide to you. For example, if the services are phone line services, we may add a toll bar to your phone so that you will not be able to make certain toll calls and we may charge you for placing that toll bar on your phone. As another example, if the services are DSL internet services, we may block your internet access or reduce the available speed and we may charge you for putting this in place. Part payment of your bill will not amount to a full and final settlement unless we have agreed to do so, we this in writing. Sometimes charges will provide this information and not show on your statement bill until sometime after the month in the account servicing section of our website. We’ll tell you by email when your statement (and other information) is ready to viewwhich they were incurred. You will then still be able to access it by logging in to your online account. We’ll also send your statement (and other information) by post or email if you choose to receive information in those ways. Once we have sent you a notice or other message using your most recent contact details, we’ll assume that you have received it. The statement we send you will contain all the transactions made by all cardholders on your account. Additional cardholders will also have access to their individual statements online. If there is no balance or transactions on your account in a month, we will not send you a statement that monthliable for such charges. If we can’t produce a statement discover that we have undercharged you for any reason, we’ll use your normal statement date to work out your next payment due date and any interest to be added, and let services we may charge you know what it is. You’ll need to get for the shortfall but we will give you a reasonable period in touch with us straight away if you think we’ve made a mistake on your statement. If you choose to have only paperless communications from us, you agree that which the documents we provide electronically can be in PDF or another format which allows you to print or save pay the document to refer to in the future. We will not change any documents which we provide electronically. Documents are available in online servicing for 12 months and you should print or save them for your recordsamount owed.

PAYING YOUR BILL. All payments you make to us must be in sterling, cover at least your minimum payment and arrive by the payment due date every month. To help make this as easy as possible, your monthly statement will tell you exactly how and when to make payments so they reach us on time. As this is a credit agreement, we will we’ll never pay interest to you for any balance on the account and you should not keep money in your account. For this reason, you need to make sure that you don’t pay more than your total outstanding balance (which would create a ‘positive balance’). If you do have a positive balance, we can return that balance to you, rather than leaving it in the account. If you have a Barclays current account, you authorise us to return any positive balance to that account. If you do not don’t have a Barclays current account, you authorise us to return any positive balance to the same current account you use to pay your bill. We will write to We’ll contact you before transferring the money to give you the opportunity to ask us to return the balance to a different account. Statements and other information We’ll produce a monthly statement that shows the transactions made since your last statement and what payment is due to us that month. We may also give you notices that we must give you by law in your statement, or we may give you these notices separately. These notices could be about overdue payments, default fees that have been added to your account, or a change that we plan need to make to this agreement. As well as your statement and the notices which may be included in it, we will we’ll also provide give you with other information about your agreement with us. This information includes copies of your terms and conditions. You can ask for a copy of your terms and conditions at any time. If we have we’ve agreed to do so, we will we’ll provide this information and your statement in the account servicing section of our websitewebsite or app. We’ll tell you by email when your statement (and other information) is ready to view. You will You’ll then be able to access it by logging in to your online account, or by using our app. We’ll also send your statement (and other information) by post or email if you choose to receive information in those ways. Once we have we’ve sent you a notice or other message using your most recent contact details, we’ll assume that you have you’ve received it. The statement we send you will contain all the transactions made by all cardholders on your account. Additional cardholders will also have access to their individual statements online. If there is no balance or transactions on your account in a month, we will not send you a statement that month. If we can’t produce a statement for any reason, we’ll use your normal statement date to work out your next payment due date and any interest to be added, and let you know what it is. You’ll need to get in touch with us straight away if you think we’ve made a mistake on your statement. If you choose to have only paperless communications from us, you agree that the documents we provide give you electronically can be in PDF or another format which allows you to print or save the document to refer to in the future. We will not won’t change any documents which we provide give you electronically. Documents are available in online servicing for 12 months and you You should print or save them your online statements for your records. If we only produce a document in the account servicing section of our website or app, we’ll tell you when it’s ready to view. How we allocate payments If a payment you make is less than your total outstanding balance as shown on your statement, we’ll use it as follows: • If you have any instalment plans on your account, to make any instalment plan payments due for that month. • To reduce your main balance (your statement balance less any instalment plan balance). We’ll start with the balances charged at the highest interest rate first and then reduce the lower-rate balances. If you have more than one promotional balance at the same interest rate, we’ll use your payment to reduce the balance with the promotional rate that ends first. • If you have any instalment plans on your account, to reduce any remaining instalment plan balance. If you have more than one instalment plan, we’ll use your payment to reduce the instalment plan that ends first. If the standard balance includes default fees, we’ll pay those off before the rest of the standard balance. When you make a payment, we’ll always reduce the balances that appear on your statement before we use your payment to reduce the value of transactions that haven’t yet appeared on your statement.