CCL_CA_2025_CreditApplication

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It’s important you read and understand this, and your personalised document headed “Pre-Contract Credit Information” which will be available once you click ‘Apply’. They tell you the important points you need to know about the Crazy Clearance credit account you're considering opening with us.

An Explanation of a Crazy Clearance Credit Account

## An Explanation of a Crazy Clearance Credit Account

**You need to read this before you apply for your Crazy Clearance credit account**

It’s important you read and understand this, and your personalised document headed “Pre-Contract Credit Information” which will be available once you click ‘Apply’. They tell you the important points you need to know about the Crazy Clearance credit account you're considering opening with us.

You need understand what's involved and feel comfortable that a Crazy Clearance credit account is right for you before you sign the agreement.

If you’d like to ask any questions or need some more information first, contact us by phone, email, letter or webchat. Our most up-to-date contact details are on our **[website](https://support.crazyclearance.co.uk/hc/en-gb/ "go to the Crazy Clearance help page")**.

**What can you use your Crazy Clearance credit account for?**

You can only use your Crazy Clearance credit account to pay for goods and services from Crazy Clearance. So, your Crazy Clearance credit account isn't suitable if you want to shop anywhere else.

It's also not suitable if you want to borrow over a fixed period of time.

**How does it work?**

When you sign up for a Crazy Clearance credit account, we give you a credit limit. When paying with credit you can only spend up to your credit limit.

We may raise your credit limit in the future – we’ll let you know if we do. If you'd prefer your credit limit to stay the same, you can tell us anytime.

You can also pay in full whenever you place an order.

**What do you need to pay?**

You get a statement every 28 days which tells you what your minimum payment is and when you need to pay it. You must pay at least the minimum payment by the due date, but you can pay more than the minimum if you want to.

Because we send you a statement every 28 days, you'll get 13 statements a year and there'll be one month a year when you need to make two payments. We'll let you know when this is going to happen, so you have plenty of time to plan.

**How much is the minimum payment?**

When you first place an order, your minimum payment will be 4% or £5 (whichever is higher) of your outstanding balance. The minimum payment value will then remain at the same amount each month until you:

* Clear your balance: or

* Buy or return something else.

When you do this, the minimum payment value will be changed to be 4% or £5 of your new outstanding balance and remain at that amount until you next buy or return something (or clear your balance) when it will be assessed again.

You can find out what your current minimum payment is online in ‘My Account’ or on your latest statement.

If you only make the minimum payment, it will cost you more and take you longer to pay off your balance, which could result in your account falling in to long term borrowing.

**What is long term borrowing?**

If you pay more in interest, fees and charges than you pay off your balance, over a period of at least 18 months, your account is considered to be in long terms borrowing. This is defined by the Financial Conduct Authority as *persistent debt*.

If this happens, we'll contact you to let you know how you can pay off your balance more quickly.

**How can you make payments?**

You can choose to pay by:

* Direct Debit

* Credit or debit card online or over the phone

* Via your bank (over the counter or through online banking)

* Cheque in the post

Using the barcode on your statement you can also pay:

* Via the Post Office, but it will cost you 45p per payment

* At any outlet displaying the Payzone logo, but it will cost you 33p per payment

The fees incurred for paying by these methods are set by the organisations, not us and may change. We will only charge you what it costs us to process these payments.

You can also ask us to set up a continuous payment authority (CPA) which lets us use your debit card details to make a payment to your account, every 28 days. Should your CPA fail, we may attempt to collect the payment for up to 5 days after the first attempt.

If you'd like more information about setting up a CPA, you can contact us by email, webchat, letter or phone. Our most up-to-date contact details can be found on our website.

**However you choose to make payments, you can always make extra payments to help pay off your balance quicker. This will reduce the amount of interest you pay overall.**

**What’s the interest rate you'll pay**

* If you pay for what you buy in full by the due date shown on your statement, we will not charge you interest.

* If you don't pay in full before the due date, we will charge interest from the date we added what you bought to your account balance.

Most of our customers get our standard interest rate which is 44.96% per annum variable. This is an annual percentage rate (APR) of 44.9% variable.

* The interest rate and APR you get will be based on your individual circumstances. We may also vary your interest rate. If this happens, we'll let you know before we do.

You may get an introductory promotional interest rate when you open your account. We’ll let you know how long this interest rate will last in your personalised “Pre-Contract Credit Information” document.

If you don't pay off any purchases you've made before the introductory period ends, we'll charge you interest at your account rate, on the balance outstanding.

* Likewise, if you don't pay at least the minimum payment by the due date on your statements, during the introductory period, we'll charge you interest at your account rate.

Occasionally, we may also offer you a promotional interest rate. If so, we’ll send you everything you need to know about the promotional offer if the offer becomes available to you.

**What happens if you don't pay**

If you don't make the minimum payment by the due date shown on your statement, it's likely that:

* You'll pay more overall

* You might get charged an admin fee of £12 (we may vary the amount of this fee from time to time)

* We may stop any promotional interest rate and charge you interest at our standard rate

* We may report your missed payment to credit reference agencies, which might make it harder for you to get credit in the future

* We may ask you to pay your balance in full right away

* We may take legal action to recover what you owe us, which could result in any outstanding balance being secured against any property you own, which may, in exceptional circumstances, result in

 * Any outstanding balance being repaid out of any sale proceeds,: or your property being repossessed.

* We may instruct a third-party debt collection agency to contact you for payment or raise court action against you to recover the money (the costs of which we may choose to pass through to you).

* We could sell your debt to another company

**Can you change your mind and cancel?**

If you change your mind, you have:

* 15 days to cancel from the day you electronically sign your agreement; or

* If you do not receive your credit limit on the day you electronically sign your agreement you have 14 days starting from the day we confirm your credit limit.

You must repay any balance on your account no later than 30 days after you cancel.

You can cancel your agreement:

By email: credit.withdraw@jdwilliams.co.uk

By phone: 0345 071 9018

In writing: Financial Services, J D Williams &amp; Company Ltd, 40 Lever Street, Manchester, M1 1BB.

An Explanation of a Crazy Clearance Credit Account

CCL_CA_IB_20052025_CreditAppComplete

Your ##Credit-Name## account is now open and available to use.

IC_JDW_TICK_BLK

You have Credit!

As you have nearly completed your application, a hard credit check has already been performed and shared with Credit Reference Agencies.

However, if you choose to cancel your application now you will still be able to shop with us using a credit or debit card.

Post search cancel May 25

Are you sure you want to cancel your application now?

The information you have already entered won’t be saved if you leave.

Pre Search Cancel Text May 22

Are you sure you want to leave?

CCL_CA_ED_20052025_CreditCheck

If you choose to open a Personal Credit Account with us (subject to status) we (JD Williams &amp; Company Ltd trading as Crazy Clearance) will supply your personal information to credit reference agencies ("CRAs") details of which are provided below and they will give us information about you, such as your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account and to trace and recover debts.

## Credit Checks &amp; Your Information

If you choose to open a Crazy Clearance credit account with us (subject to status) we (JD Williams &amp; Company Ltd trading as Crazy Clearance) will supply your personal information to credit reference agencies ("CRAs") details of which are provided below and they will give us information about you, such as your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account and to trace and recover debts. We also carry out fraud checks before providing goods or credit to you. In order to do this, we use data sourced from CRAs and other external agencies that are involved in fraud detection to prevent fraud and money laundering, and to verify your identity. Data we use to do this may include: name, address, date of birth, contact details, financial information, employment details and device identifiers, including IP address.

We will also share your information with CRAs and other companies we use to support our credit lending decision process. We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at [Experian](https://www.experian.co.uk/legal/crain/), [TransUnion](https://www.transunion.co.uk/legal/privacy-centre?#pc-credit-reference), [Equifax](https://www.equifax.co.uk/crain).

Please see our [Privacy Policy](https://www.crazyclearance.co.uk/privacy/privacy-policy), for more detail about how we use your information, the third parties we share information with and what your rights are (including the right to object).

Credit Checks &amp; Your Information

CCL_CA_ED_20052025_CreditDecision

When considering your credit application we use automated decision-making processes, including assessments of your credit reference data, other transactional data (such as any previous trading or account history with us), public records (such as the insolvency register) and other data which you have given permission to be used for this purpose.

## How we make credit decisions

When considering your credit application we use automated decision-making processes, including assessments of your credit reference data, other transactional data (such as any previous trading or account history with us), public records (such as the insolvency register) and other data which you have given permission to be used for this purpose. We do this so that we can respond to your credit application promptly and to ensure our credit lending decisions are fair and responsible.

We will not be able to process your credit application without using these automated decision making processes. Please see our [Privacy Policy](https://www.crazyclearance.co.uk/privacy/privacy-policy) on our website for more information on how we consider your credit application (including our automated decision making processes).

By proceeding with your application you agree to the use of these automated processes and acknowledge that without it we are unable to proceed with your credit application. Alternatively, click the Cancel Application button to open a Cash Account and pay with credit or debit card.

How we make credit decisions

Processing application

If your date of birth is incorrect then you have to change this before applying for credit.

To change please [chat](https://support.crazyclearance.co.uk/hc/en-gb/articles/360002164730-How-can-I-contact-you) with us.

Your Date of Birth.

As our credit lending decision is an automated process and due to the way in which it is carried out we are unable to reconsider our decision at this time. Due to the number of factors which could have contributed, we are unable to provide you with the reasons for this decision. However, you can always contact Experian for more information about your credit file on 0844 481 8000 or visit [www.experian.co.uk](www.experian.co.uk). You can still place your order by using a payment from a debit or credit card.

Decline Message May 25

Unfortunately, we are unable to proceed with your application for a ##Credit-Name## account.

CCL_CA_ED_20052025_Paperless

We will produce a paperless statement for you to view online rather than sending you a paper statement in the post…

We will produce eStatements for you to view online rather than sending you a paper statement in the post.

We will email you when each statement is ready for you to view securely online.

You will also receive notices of changes to the terms and conditions of your account via email.

You can amend these preferences at any time by logging in online and amending your preferences in the Paperless section of ‘My Account’.

Paperless

Pre Check Notification May 25

Temporary Credit May 25

*This is a temporary credit facility and may increase, decrease or be withdrawn once we have completed progressing your application.  Any order placed using your credit facility will be held until we complete our processing.

From time to time, we may be able to increase your credit limit. How would you like us to apply increases if you’re eligible?

UCLI Intro May 25

What would you like to do?

You will need to confirm with us each time we offer you an increase or your credit limit will remain the same.

UCLI Opt In May 25

Ask me every time

We will automatically apply your increases, unless you choose to turn them down. We will give you plenty of notice before an increase is applied.

UCLI Opt out May25

Keep it simple

SIMPLY BE

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Pay | Simply Be

JACAMO

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Jacamo Pay

JD WILLIAMS

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JDW Pay

STAFF

Staff Credit

FASHION WORLD

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FW Pay

HOME ESSENTIALS

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Home Pay

AMBROSE WILSON

AW_IC_AW-Pay_Black

Ambrose Pay

MARISOTA

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Marisota Credit

CRAZY CLEARANCE

CrazyClearance-Logo

Crazy Clearance Credit

PREMIER MAN

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Premier Man Credit

CCL_CE_20052025_CreditEligibility

Check Your Eligibility

Unfortunately, we can’t offer you a credit account at this time, based on the details you provided.

Don’t worry, this did not affect your credit score.

However, you can still shop using your debit or credit card.

Sorry, you can't apply for a credit account right now

Subject to credit status at the time of your application, based on the details you have provided we're likely to offer you;

You’re eligible for a ##Credit-Name## account.

Congratulations!

Based on details you have provided you could get

We need to do more checks when you apply for your ##Credit-Name## account.

Eligibility Check Complete

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