When you get a home charger as part of your benefits scheme, you can opt to pay for it on a 'Payment Install Plan'. This plan is designed to provide an alternative solution to having to pay for your home charging unit in full.

Home charging units are installed via ChargedEV, who are on the of the largest home charging installation companies in the UK. This plan is operated through them.

How do these payments work?

A continuous payment authority (CPA) is a type of recurring payment that a merchant sets up on a customer's card account, using their debit or credit card details to take payments as and when they're due.

By selecting this payment option, you’ll pay 12 equal instalments of the total price on a monthly basis.

We ask for a £50 deposit to secure your installation appointment. The remaining amount quoted will be split over 12 equal instalments. Your payment instalment plan will start on the first or last day of the month in which your installation has been scheduled.

I have a home charger discount - how does this work?

Your discount will be divided over each instalment payment, reducing the amount due each month.

Are my card details stored?

Your details are securely stored with Stripe. ChargedEV doesn’t store or record card details, you’ll input them securely online.

What happens if I miss a payment?

If we are unable to process your payment on the due date, Stripe will re-attempt a payment four times within two weeks of the due date.

If the payment is not collected within two weeks, we’ll contact you to discuss your payment options and getting your account up to date should this occur.

Is there any interest on my payments?

No, this is a short-term fixed-sum credit agreement with 0% fixed interest.

When will my first payment be?

You can begin your payment plan on the 1st or last day of the month your installation has been scheduled. Your plan will be set up the day after your installation appointment has been arranged.

Can I vary the length of the plan?

No. This plan is fixed term and cannot be extended or reduced. However, if at any time you wish to pay the full amount and end the plan, you can email us at homecharge@chargedev.co.uk or call us on 03300 431 851 and we’ll issue you a new invoice for the remaining balance.

Can I pay off my balance early?

Yes, you can call us at any time on 03300 431 851 to pay the remaining balance.

Conditions of Credit Agreement

● We shall be entitled to vary the terms of this agreement, to the extent that any such variation shall not be prejudicial to Your rights under this agreement. We will notify You in writing of any variation prior to such variation taking effect.

● You authorise Us to collect any amounts for which You are liable under this Agreement by charging a credit or debit card, the details of which have been provided to Us by You. Making regular collections from Your credit or debit card is called a continuous payment authority. You shall only provide Us with debit or credit card details for an account which belongs to You and from which You are authorised to make payments. You acknowledge and agree that We will use the continuous payment authority to collect the Repayments on the Payment Dates and all other sums which are due and payable by You under this Agreement.

● Missing payments can have serious consequences for you. If at any time, your payment is overdue, we may serve a default notice on you, requiring that you bring the payments up to date. If you then fail to do so, we may, by giving you written notice, terminate the Agreement and/or require that you make immediate repayment of the outstanding balance of credit, interest and any fees (set out in clause 5 below).

● If we're unable to collect any payment you owe us we may charge interest on the overdue amount at the rate of 2% a year above the Bank of England base rate from time to time. This interest accrues on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgement. You pay us the interest together with any overdue amount.

● After termination under clause 3 above, we may employ a debt collection agency to recover the outstanding debt and you will have to pay reasonable costs incurred by the debt collection agency for this purpose. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future. Legal action may be taken against you to recover the debt. We may charge the following fees:

○ Up to £12 if you do not make your payment on time (“Late Payment Fee”);

○ £1.49 for each paper statement fee ("Paper Statement Fee"); and or

○ The reasonable cost of sending you a letter about your outstanding debt when you

are in arrears (“Debt Collection Fee”).

● Any fee which becomes payable under this Agreement will be added to the balance on the payment date following the month in which the fee became payable. We may start charging interest at rate set out in clause 4 above on Late Payment Fees and Debt Collection Fees on the 29th day after we have given you notice that the fee has become payable.

● Missing payments could make obtaining credit more difficult and have severe consequences for you such as the possibility of our taking possession by legal proceedings, bankruptcy proceedings, and your home being repossessed.

● You have the right to cancel the agreement within 14 days without giving any reason. The cancellation period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the Charger. To exercise the right to cancel, you must inform us Charged Electric Vehicles Ltd t/a ChargedEV of Silver House, Adelphi Way, Chesterfield, Derbyshire, S43 3LJ, telephone 03300 431 851, email address homecharge@chargedev.co.uk of your decision to cancel the agreement by a clear statement (e.g. a letter sent by post or email). You may use the model cancellation form at schedule 1, but it is not obligatory. To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

● If you withdraw from this credit agreement then you will need to repay the credit advance. This must be paid without delay and in any event within 30 days of you giving us notice of withdrawal. Payment should be sent to Charged Electric Vehicles Ltd t/a ChargedEV, of Silver House, Adelphi Way, Chesterfield, Derbyshire, S43 3LJ or alternatively you can pay this over the phone by calling 03300 431 851.

● You can repay all or part of your balance at any time by contacting us on the contact details set out in paragraph 5 above.

● We can terminate this agreement (subject to giving you notice) immediately if you are in

breach of the agreement (for example if you fail to make payment of the instalments); if you become bankrupt or fail to pay a debt as ordered by a court; if you have given false

information in connection with this agreement; or if you break or cancel the terms of any

insurance agreement relating to a policy funded by this agreement. On termination of this

agreement the outstanding balance will become immediately due and payable.

● You must notify us in writing immediately if you change any of your contact details that we hold such as your address and email address.

● We may assign, transfer or otherwise sell some or all of our rights under this agreement to any person without your consent. Any assignment, transfer or sale will not prejudice your rights.

● On occasion, we may relax the terms of this agreement, for example by giving you more time to pay (although will not exceed 12 months) , but this will not prevent us from strictly

enforcing these terms in the future.

● If we decide not to proceed with this agreement on the basis of information from a credit

reference agency we shall, when informing you of that decision, inform you that it has been

reached on the basis of information from a credit reference agency and of the particulars of that agency.

● You may, upon request, obtain a copy of this agreement free of charge.

● This agreement shall be governed by the laws of England and Wales, unless you are resident in Scotland or Northern Ireland, in which case the laws of the country in which you are domiciled in the United Kingdom will apply and any dispute which arises in relation to the agreement will be dealt with by the courts of England and Wales unless you are resident in Scotland or Northern Ireland, in which case it will be dealt with by the courts of the country in the United Kingdom in which you are resident.

● If you have a complaint about this agreement and we are unable to resolve it to your

satisfaction, you may be able to refer the matter to the Financial Ombudsman Services (FOS) for an independent investigation. Details will be provided at the time you make your

complaint. The Financial Conduct Authority is the supervisory authority under the Consumer Credit Act 1974. Legal & General Insurance Limited is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority. Registered in England and Wales Number 00423930. Registered Office: One Coleman Street, London EC2R 5AA

● This is a short term fixed sum credit agreement which is an agreement exempt from the

regulation of the Financial Conduct Authority under Article 60(f)(2) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (Exempt Agreement). This Exempt Agreement is made in addition to the terms and conditions set out at Terms & Conditions - Full | ChargedEV which governs the supply, installation and maintenance of your charger.