Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:1:p11
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 1 (pt 11/40)
Character Range: 422627–425186

that you should be given before you sign the guarantee.

 3 What documents should I be given?
  Before you sign the guarantee you should get—
           * the document you are reading now; and
           * a copy of the credit contract or proposed credit contract.
  Your guarantee is not enforceable unless you get a copy of the credit contract or proposed credit contract before you sign.
  Within 14 days after you sign the guarantee and give it to the credit provider, the credit provider must give you a copy of—
           * the signed guarantee (if you do not already have a copy of the guarantee); and
           * the credit contract or proposed credit contract (if you do not already have a copy of the contract).

 4 Can I get a statement of the amount that the debtor owes?
  Yes. You can ask the credit provider at any time for a statement of the amount the debtor currently owes or any amounts credited or debited during a period you specify or any amounts which are overdue and when they became overdue or any amount payable and the date it became due.
  The credit provider must give you the requested information—
           * within 14 days if all the information requested related to a period 1 year or less before your request is given; or
           * otherwise within 30 days.
  This statement must be given to you in writing if you ask for it in writing but otherwise may be given orally.
  You may be charged a fee for the statement.
  You are not entitled to more than 1 written statement every 3 months.

 5 How can I find out the payout figure?
  You can write to the credit provider at any time and ask for a statement of the amount required to pay out the credit contract as at any date you specify. You can also ask for details of the items that make up the amount.
  The credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement.

 6 What other information can I get?
  You can write to the credit provider and ask for a copy of—
           * the guarantee; or
           * any credit‑related insurance contract (such as insurance on mortgaged property) the credit provider has; or
           * a notice previously given to you, the debtor or the mortgagor under the National Credit Code.
  The credit provider must give you the requested copy—
           * within 14 days of your written request if the contract came into existence 1 year or less before the request was given to the credit provider; or
           * otherwise within