Off The Shelf Documentation

ALPH Legal have a series of ready-made documentation for a Consumer Credit Business. These are detailed and marked to show where you need to tailor the documents for your business.  Please note that the FCA expects all business to be ready to go when their application is made so you should have these documents in place with your application. 

The standard policies you should consider are: 

• Lending, Affordability and Creditworthiness Policy; 
• Collections Policy (inc. Financial Distress and Vulnerable Customers); 
• Financial Risk and Fraud Policy; 
• Data Protection and Privacy Policy; 
• Training Policy; 
• Compliance Policy;  
• Complaints Policy; 
• Advertising and Promotions Policy; 
• CPA and Direct Debit Policy; 
• Third Party Policy; 
• Payment Plan Policy; 
• Senior Managers and Certification Regime Policy; 
• Appointed Representatives Policy; 
• Quality Assurance Policy; 
• Information Security Policy; 
• Information Classification Policy; 
• Privacy Policy for Website; 
• Terms and Conditions for Website 
• Risk Register 
• Compliance Plan 
• Business Continuity Plan 

All of the above policies can be provided, prices upon application. 

The following are Documents that are needed for new applications: 

SECCI for each loan type 

Adequate Explanations Document for each loan type 

Loan Agreement and Terms and Conditions for each loan type 

Statutory Notices 

These can be provided by our affiliated firm www.essexlawlimited.com