Consumer Trade Credit Line Application

Interest Free for 90days.
2% per month penalty interest applicable thereafter
Weekly, Fortnightly, Bi-Monthly or Monthly installments recommended

* Please complete the Credit application form below and our COURTS CREDIT TEAM will contact you within 2-3 working days.

Apply for Courts Consumer Credit Line Option Now.

* Mandatory

Order Number

IT IS AGREED Courts will supply and hire the Goods and the Customer will take them on hire upon the following terms and conditions.

Consumer Type*

Customer ID or Account No*

Check the appropriate option*

Sole

Joint

Title*

Other - Please Specify*

First Name*

Middle Name*

Last Name*

Employer*

Occupation Title*

Home Address Line 1*

Home Address Line 2*

City/Town*

Other - Please Specify

P.O.Box Number

Other

Email address*

Landline No

Mobile No

Fax No

Delivery Address*

Delivery Address Line 1*

Delivery Address Line 2*

City/Town*

Other - Please Specify*

Retention of Title

Property in the goods shall pass to the Customer when full payment for the goods has been received by Courts.
Courts may, without prejudice to any of its rights, retake and resume possession of the goods which remain the property of Courts and may for that purpose enter the Customer's premises or any other place where goods may be upon the occurrence of the following events :
1. 1. 1. The Customer commences proceedings for voluntary winding up or is placed in Winding –up by any other Creditor
    2. The Customer becomes insolvent or commits an act of bankruptcy or makes an assignment for the benefit of a creditor;
    3. The Customer makes two successive defaults of payments, or a default in respect of the last payment or fails to settle the account in full within the specified term of 30 days and Courts has served the notice in terms of section 163 (1) (b) of the Act and the time period fixed by the notice under the Act has expired; or
    4. The Customer is in breach of any of the terms & conditions of the agreement and in fully repaying any or all trade or 30 day accounts outstanding for more than 30 days.

For the purposes of point 2 herein, the Customer hereby consents to Courts, by itself or by its agents or employees entering its premises to retake possession of the goods.
I irrevocably authorise Courts as an approved credit report recipient, to conduct the necessary enquiries and verifications to help assess my credit application including a credit opinion if required from any approved credit reporting agency or other reliable sources that may have personal or business related financial information about me.
I also irrevocably authorise Courts to obtain from my Income sources all remuneration or income details including deductions and updates relevant to the appraisal of my credit application including ongoing management of my debt to Courts.
I irrevocably authorize Courts as an approved credit information provider to disclose my/our credit information to a credit reporting agency.
I irrevocably authorize for the collection of my credit information by a credit reporting agency.
I irrevocably authorize Courts as a credit report recipient to obtain and use my credit information received from a credit reporting agency or other reliable sources that may have financial information about me, for business related purposes.
I irrevocably authorise Courts to retain an electronic copy of all documents used for appraisal of my credit application, which shall be enforceable in any proceeding against me in the same manner as the original documents.
In terms of your initial term approval of: 30 or 60 or 90 days ‘interest free’, a penalty interest rate of 2.00% per month is applicable thereafter.

Retention of Title

Property in the goods shall pass to the Customer when full payment for the goods has been received by Courts.
Courts may, without prejudice to any of its rights, retake and resume possession of the goods which remain the property of Courts and may for that purpose enter the Customer's premises or any other place where goods may be upon the occurrence of the following events :
1. 1. 1. The Customer commences proceedings for voluntary winding up or is placed in Winding –up by any other Creditor
    2. The Customer becomes insolvent or commits an act of bankruptcy or makes an assignment for the benefit of a creditor;
    3. The Customer makes two successive defaults of payments, or a default in respect of the last payment or fails to settle the account in full within the specified term of 30 days and Courts has served the notice in terms of section 163 (1) (b) of the Act and the time period fixed by the notice under the Act has expired; or
    4. The Customer is in breach of any of the terms & conditions of the agreement and in fully repaying any or all trade or 30 day accounts outstanding for more than 30 days.

For the purposes of point 2 herein, the Customer hereby consents to Courts, by itself or by its agents or employees entering its premises to retake possession of the goods.
We irrevocably authorise Courts as an approved credit report recipient, to conduct the necessary enquiries and verifications to help assess our credit application including a credit opinion if required from any approved credit reporting agency or other reliable sources that may have personal or business related financial information about us.
We also irrevocably authorise Courts to obtain from my Income sources all remuneration or income details including deductions and updates relevant to the appraisal of our credit application including ongoing management of our debt to Courts.
We irrevocably authorize Courts as an approved credit information provider to disclose our credit information to a credit reporting agency.
We irrevocably authorize for the collection of our credit information by a credit reporting agency.
We irrevocably authorize Courts as a credit report recipient to obtain and use our credit information received from a credit reporting agency or other reliable sources that may have financial information about us, for business related purposes.
We irrevocably authorise Courts to retain an electronic copy of all documents used for appraisal of our credit application, which shall be enforceable in any proceeding against us in the same manner as the original documents.
In terms of your initial term approval of: 30 or 60 or 90 days ‘interest free’, a penalty interest rate of 2.00% per month is applicable thereafter.

Name of Customer (s) or Authorised Signatories:

I undertake to pay all my Trade-Credit Line & subsequent purchases hereafter within the 30-60-90 days time frame as approved and fully agree to the above terms & conditions.

Name of Customer (s) or Authorised Signatories:

We undertake to pay all our Trade-Credit Line & subsequent purchases hereafter within the 30-60-90 days time frame as approved and fully agree to the above terms & conditions.

Signature

Name

Date

Signature

Name

Date

Names of Personal Referees (If required):

Name

Relationship

Occupation

Phone

Email address

Name

Relationship

Occupation

Phone

Email address

Add More

Name

Relationship

Occupation

Phone

Email address

Name

Relationship

Occupation

Phone

Email address

Bank Relationship Manager: (Optional)

Name

Bank

Others - Please Specify*

Phone

Email address

DOCUMENT CONFIRMATION

(Please refer to our Credit Requirements attached)

Income Proof

If an Employee:

1. Recent (permanent) employment letter of confirmation or contract
2. Latest Payslip reflecting normal pay & deductions etc
3. Latest Bank statements – minimum 3-4 months
4. Evidence of additional or subsistence income if any

Other Proof

*Any additional verification or supporting document that can assist with your Credit application.

ID & Address Proof:

Recent Voter ID card or valid Drivers License (DL) or Learners Permit (LP) or Valid Passport
Joint FNPF/FCRA (TIN) card
Original copy of Birth Certificate if a Voter ID, DL or LP in 1. above not available together with a recent Utility Bill reflecting Residential address with Property owner or Landlord support letter if a dependent, boarding or renting etc.

Statement of Financial Position Form

*Please upload the filled Statement of Financial Position Form.

You may contact us on Phone: 2281333 / 9981177 or Email: credit@visiongroup.com.fj

THANK YOU for your patronage!

Check the appropriate option*

Sole

Joint

Consumer Trade Credit Line Application Form

Title*

First Name*

Middle Name*

Last Name*

Other - Please Specify

Date of Birth*

Gender*

Age

Email address*

Mobile No

FNPF No*

Customer TIN*

Drivers License or Voter ID*

PERSONAL DETAILS

Father’s Name

First

Last

Mother’s Name

First

Last

Father's Original Village Name

Mother's Original Village Name

Marital Status*

Spouse Name

Spouse's Original Village

No of Children*

No of Dependents*

Please Specify*

Ethnic Group*

Others - Please Specify*

Nationality*

Vehicle Type

Vehicle Registration No

Bankers Name*

Other*

Bank Account No*

RESIDENTIAL STATUS

Home Address Line 1*

Home Address Line 2*

City/Town*

Others - Please Specify*

Landline No*

Mobile No*

Current Address Since*

Property Type*

Other Property Type

Previous Address Since*

End Date

Reason

Delivery Address

Delivery Address Line 1*

Delivery Address Line 2*

City/Town*

Others - Please Specify*

Landline No*

Mobile No*

P.O.Box

Other

EMPLOYMENT DETAILS

Employer*

Status*

Employer Industry*

Contract Expiry Date

Casual Expiry Date

Project Expiry Date

Temporary Expiry Date

Occupation*

No of Years/Months*

Pay Frequency*

Pay Amount

Annual Gross*

Annual Net After Tax*

Current Employment Start Date*

Previous Employment Start Date*

End Date*

Reason*

FINANCIAL STATUS

Monthly Net Income After Tax

Additional Income

Source of Additional Income

Total Income

Utility Bills*

Utility Bill Breakdown*

Living Expenses*

Living Expenses Breakdown*

Bank/Creditor Loans*

Bank/Creditor Loans Breakdown*

Please download and complete the Statement of Financial Position Form (Click Here) to reduce processing time.

EMPLOYER DETAILS

Address 1*

Address 2*

Address 3*

Telephone No*

Mobile No*

City/Town*

Other - Please Specify*

Country*

Department*

Staff/Employment No*

REFEREE 1

Name

First

Last

Years Known*

Relationship*

Home Address*

Telephone No*

Work Address*

Telephone No*

Mobile No*

Occupation*

Email address*

REFEREE 2

Name

First

Last

Years Known*

Relationship*

Home Address*

Telephone No*

Work Address*

Telephone No*

Mobile No*

Occupation*

Email address*

REFEREE 3

Name

First

Last

Years Known*

Relationship*

Home Address*

Telephone No*

Work Address*

Telephone No*

Mobile No*

Occupation*

Email address*

Bank Relationship Manager: (Optional)

Name

Bank

Others - Please Specify

Phone

Email address

Requested Limit*

Term - Maximum 3 months*

Retention of Title

Property in the goods shall pass to the Customer when full payment for the goods has been received by Courts.
Courts may, without prejudice to any of its rights, retake and resume possession of the goods which remain the property of Courts and may for that purpose enter the Customer's premises or any other place where goods may be upon the occurrence of the following events :
1. 1. 1. The Customer commences proceedings for voluntary winding up or is placed in Winding –up by any other Creditor
    2. The Customer becomes insolvent or commits an act of bankruptcy or makes an assignment for the benefit of a creditor;
    3. The Customer makes two successive defaults of payments, or a default in respect of the last payment or fails to settle the account in full within the specified term of 30 days and Courts has served the notice in terms of section 163 (1) (b) of the Act and the time period fixed by the notice under the Act has expired; or
    4. The Customer is in breach of any of the terms & conditions of the agreement and in fully repaying any or all trade or 30 day accounts outstanding for more than 30 days.

For the purposes of point 2 herein, the Customer hereby consents to Courts, by itself or by its agents or employees entering its premises to retake possession of the goods.
I irrevocably authorise Courts as an approved credit report recipient, to conduct the necessary enquiries and verifications to help assess my credit application including a credit opinion if required from any approved credit reporting agency or other reliable sources that may have personal or business related financial information about me.
I also irrevocably authorise Courts to obtain from my Income sources all remuneration or income details including deductions and updates relevant to the appraisal of my credit application including ongoing management of my debt to Courts.
I irrevocably authorize Courts as an approved credit information provider to disclose my/our credit information to a credit reporting agency.
I irrevocably authorize for the collection of my credit information by a credit reporting agency.
I irrevocably authorize Courts as a credit report recipient to obtain and use my credit information received from a credit reporting agency or other reliable sources that may have financial information about me, for business related purposes.
I irrevocably authorise Courts to retain an electronic copy of all documents used for appraisal of my credit application, which shall be enforceable in any proceeding against me in the same manner as the original documents.
In terms of your initial term approval of: 30 or 60 or 90 days ‘interest free’, a penalty interest rate of 2.00% per month is applicable thereafter.

Retention of Title

Property in the goods shall pass to the Customer when full payment for the goods has been received by Courts.
Courts may, without prejudice to any of its rights, retake and resume possession of the goods which remain the property of Courts and may for that purpose enter the Customer's premises or any other place where goods may be upon the occurrence of the following events :
1. 1. 1. The Customer commences proceedings for voluntary winding up or is placed in Winding –up by any other Creditor
    2. The Customer becomes insolvent or commits an act of bankruptcy or makes an assignment for the benefit of a creditor;
    3. The Customer makes two successive defaults of payments, or a default in respect of the last payment or fails to settle the account in full within the specified term of 30 days and Courts has served the notice in terms of section 163 (1) (b) of the Act and the time period fixed by the notice under the Act has expired; or
    4. The Customer is in breach of any of the terms & conditions of the agreement and in fully repaying any or all trade or 30 day accounts outstanding for more than 30 days.

For the purposes of point 2 herein, the Customer hereby consents to Courts, by itself or by its agents or employees entering its premises to retake possession of the goods.
We irrevocably authorise Courts as an approved credit report recipient, to conduct the necessary enquiries and verifications to help assess our credit application including a credit opinion if required from any approved credit reporting agency or other reliable sources that may have personal or business related financial information about us.
We also irrevocably authorise Courts to obtain from my Income sources all remuneration or income details including deductions and updates relevant to the appraisal of our credit application including ongoing management of our debt to Courts.
We irrevocably authorize Courts as an approved credit information provider to disclose our credit information to a credit reporting agency.
We irrevocably authorize for the collection of our credit information by a credit reporting agency.
We irrevocably authorize Courts as a credit report recipient to obtain and use our credit information received from a credit reporting agency or other reliable sources that may have financial information about us, for business related purposes.
We irrevocably authorise Courts to retain an electronic copy of all documents used for appraisal of our credit application, which shall be enforceable in any proceeding against us in the same manner as the original documents.
In terms of your initial term approval of: 30 or 60 or 90 days ‘interest free’, a penalty interest rate of 2.00% per month is applicable thereafter.

Name of Customer (s) or Authorised Signatories:

I undertake to pay all my Trade-Credit Line & subsequent purchases hereafter within the 30-60-90 days time frame as approved and fully agree to the above terms & conditions.

Name of Customer (s) or Authorised Signatories:

We undertake to pay all our Trade-Credit Line & subsequent purchases hereafter within the 30-60-90 days time frame as approved and fully agree to the above terms & conditions.

Signature

Name

Date

Signature

Name

Date

Name

Relationship

Occupation

Phone

Email address

Name

Relationship

Occupation

Phone

Email address

DOCUMENT CONFIRMATION

(Please refer to our Credit Requirements attached)

Income Proof

If an Employee:

1. Recent (permanent) employment letter of confirmation or contract
2. Latest Payslip reflecting normal pay & deductions etc
3. Latest Bank statements – minimum 3-4 months
4. Evidence of additional or subsistence income if any

Other Proof

*Any additional verification or supporting document that can assist with your Credit application.

ID & Address Proof:

Recent Voter ID card or valid Drivers License (DL) or Learners Permit (LP) or Valid Passport
Joint FNPF/FCRA (TIN) card
Original copy of Birth Certificate if a Voter ID, DL or LP in 1. above not available together with a recent Utility Bill reflecting Residential address with Property owner or Landlord support letter if a dependent, boarding or renting etc.

Statement of Financial Position Form

*Please upload the filled Statement of Financial Position Form.

You may contact us on Phone: 2281333 / 9981177 or Email: credit@visiongroup.com.fj

THANK YOU for your patronage!

This field should be left blank

Consumer Trade Credit Line Application

Consumer Trade Credit Line Application

Apply for Courts Consumer Credit Line Option Now.

IT IS AGREED Courts will supply and hire the Goods and the Customer will take them on hire upon the following terms and conditions.

Retention of Title

Retention of Title

Name of Customer (s) or Authorised Signatories:

Name of Customer (s) or Authorised Signatories:

Names of Personal Referees (If required):

DOCUMENT CONFIRMATION

Consumer Trade Credit Line Application Form

PERSONAL DETAILS

RESIDENTIAL STATUS

EMPLOYMENT DETAILS

Pay Amount

FINANCIAL STATUS

EMPLOYER DETAILS

REFEREE 1

REFEREE 2

REFEREE 3

Retention of Title

Retention of Title

Name of Customer (s) or Authorised Signatories:

Name of Customer (s) or Authorised Signatories:

DOCUMENT CONFIRMATION

CUSTOMER SERVICE

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