Frequently Asked Questions

Information on how we process and use your personal data can be found in OUSBA's Privacy statement by clicking on the following link and selecting OUSBA Privacy Statement under the Policies and Procedures section.

Freedom of Information Website

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If there is more than one person living in the property and they contribute to the council tax only enter your share.

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If you pay using a CPA you will be required to consent to the use of your card details in order to make monthly payments. You will receive an email requesting this consent.

- The date that payments are to be taken under a CPA are set out in the credit agreement in the panel entitled "FINANCIAL PARTICULARS";
- If you encounter financial difficulties, as a concession and without in any way modifying our rights under the agreement, we may agree to change the payment date but we will not do so for any other reason;
- You give us authority to take all of the payments due under the agreement using the CPA, including any fees and charges payable under the agreement;
- You can cancel the CPA at any time by telephoning us or by e-mailing us. If you do so, you will be required to make further payments manually by an alternative card or by money transfer;
- Card payments made under this CPA are not covered by the Direct Debit Guarantee;
- You may use another card or money transfer as an alternative method of making payments;
- We will not attempt to take less than the payment or the amount agreed with you from time to time under the CPA, unless the total sum owing under the agreement is less than the relevant payment at the date such payment is taken;
- If there are insufficient funds in your account to cover the payment at the date it is to be taken or if we are unable to take a payment for any other reason, we will not make any further attempts to take that month's payment. We will contact you and seek that month's payment by an alternative payment method in accordance with the CPA. We will however continue to seek all future monthly payments under the CPA on the basis set out in the agreement;
- We will inform you by letter of any failure to obtain payment under the CPA within 5 days;
- If we are unable to take any payment on its due date, you may have to pay charges and interest in accordance with the terms and conditions of the agreement.

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The total amount of money you must pay each month on all hire purchase and loan agreements e.g. Store Cards, Car loans. If you already have a loan or a pending loan with OUSBA you must include the monthly payment amount in the total.

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The total amount of money you must pay each month on all your credit cards. If you pay your credit cards off in full each month you only have to detail the average accepted minimum payment

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Gross Annual Income - is the sum total of all the income for a year that a person receives before any tax, national insurance, pensions etc. have been deducted. This can also include other sources of income for example rents from properties, benefits, child maintenance.

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