Legal

Direct Line Financial Services Limited, 250 St Vincent Street, Glasgow, G2 5SH. Registered Office, 3 Edridge Road Croydon CR9 IAG . The Direct Line MasterCard is issued and administered by The Royal Bank of Scotland plc, registered office 36 St Andrew Square, Edinburgh.

Rates correct as at 4 December 2001.

You must be aged 22 or over, earn at least £5,000 and have a bank account in the UK.

Only available in England, Scotland and Wales.

Subject to status

The introductory rate of 6.7%* is fixed for the first 6 months and is followed by a rate of 14.9%* (APR 15.9%**) variable.

The cardholder is required to make monthly repayments within 25 days of the statement date of at least the minimum amount specified on the statement. This will not be less than 3% or £5, whichever is greater, or the full amount if less than £5.
Cash advances - an additional fee of £1.50 or 1.5% is charged giving an APR of 17.7% variable.

* Excludes cash advances.
** For legal reasons the APR relates to our standard rate and takes no account of the introductory rate. The standard rate will be charged after the first 6 months of the agreement. All rates shown are equivalent annual rates except for the APR.

We will try to resolve any complaint in a reasonable and professional way. However, if you are still not satisfied with our handling of the matter, you can refer the complaint to the Financial Ombudsman at the following address:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Enquiries: 0845 080 1800
Switchboard: 020 7964 1000
Email: enquiries@financial-ombudsman.org.uk
We will send you further details of the Financial Ombudsman Service if you ask us to.

Written quotations are available on request.

Telephone calls may be recorded and randomly monitored.

DLFS subscribe to the Banking Code. If you would like a copy of the Code, please follow this hyperlink........bankingcode.org.uk