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Money Repayment Agreement

Money Repayment Agreement Template for England and Wales

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Key Requirements PROMPT example:

Money Repayment Agreement

"I need a Money Repayment Agreement for a £50,000 business loan to be repaid over 24 months starting from March 2025, with monthly instalments and a 5% interest rate, secured against company equipment."

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What is a Money Repayment Agreement?

A Money Repayment Agreement is essential when documenting the lending and repayment of money between parties. This agreement, governed by English and Welsh law, should be used whenever money is lent with an expectation of repayment, whether between individuals, businesses, or both. It includes crucial information such as the loan amount, repayment terms, interest rates, default provisions, and any security arrangements. The document provides legal certainty and protection for all parties involved, ensuring clear understanding of obligations and rights, and can be particularly important if disputes arise later.

What sections should be included in a Money Repayment Agreement?

1. 1. Parties: Identification and details of the lender and borrower

2. 2. Background: Context of the loan and purpose of the agreement

3. 3. Definitions: Key terms used throughout the agreement

4. 4. Loan Amount and Terms: Specification of the amount borrowed and basic terms

5. 5. Repayment Terms: Schedule and method of repayment

6. 6. Default Provisions: Consequences of failing to make payments

7. 7. Governing Law: Specification of applicable law and jurisdiction

What sections are optional to include in a Money Repayment Agreement?

1. Interest: Terms of interest payment - include when interest is being charged on the loan

2. Security: Details of any assets or guarantees securing the loan - include for secured loans

3. Early Repayment: Terms for early repayment of the loan - include when early repayment is permitted

4. Assignment: Rights to assign the agreement to third parties - include when assignment rights are relevant

What schedules should be included in a Money Repayment Agreement?

1. Schedule 1: Repayment Schedule: Detailed breakdown of payment dates and amounts

2. Schedule 2: Security Details: Details of any security or collateral - for secured loans only

3. Appendix A: Definitions: Extended definitions if required - for complex agreements with numerous defined terms

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






























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Industries

Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Essential if one party is a consumer, regulating the form and content of credit agreements.

Limitation Act 1980: Sets statutory time limits for bringing legal claims regarding the repayment of debts. Generally 6 years for simple contracts.

Law of Property Act 1925: Relevant when the loan agreement involves any form of security over property or land.

Financial Services and Markets Act 2000: Applicable if the lending falls under regulated financial services activities.

Law of Contract Principles: Common law principles covering offer, acceptance, consideration, and intention to create legal relations.

Doctrine of Undue Influence: Common law principle protecting parties from agreements made under pressure or influence that undermines free will.

Unconscionable Bargains: Legal principle protecting vulnerable parties from grossly unfair or exploitative agreements.

FCA Regulations: Financial Conduct Authority regulations applicable to regulated lending activities and consumer protection.

Consumer Rights Act 2015: Protects consumer rights and regulates unfair terms in consumer contracts.

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly exclusion and limitation clauses.

Consumer Protection from Unfair Trading Regulations 2008: Protects consumers from unfair commercial practices, including misleading actions or omissions.

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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