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Sep 28, 2017 - 34 minute read

Details sbi bank personal loan

Although we noted that the ad should be taken as a whole, we considered that information given in a voice-over would generally be seen by consumers as being more prominent than on-screen text at the bottom of the screen, and that on-screen text at the bottom of the screen was therefore unlikely to be sufficiently prominent if the triggering information was given in the voice-over, or both in the voice-over and on-screen.

We also noted that, while the RAPR was written in a larger font size than the cashback offer and was displayed for slightly longer, it was not shown at the point that the cashback offer was introduced, or at any point thereafter, and that the cashback offer was presented in the main part of the screen within a bright yellow circle whilst the RAPR was not.

We considered that that had the effect of making the incentive to apply for credit stand out more to viewers than the information it triggered. We therefore concluded that the RAPR was not given greater prominence in the overall presentation of the ad than the cashback offer which triggered the requirement for its inclusion, and that the ad breached the Code. On that point, the ad breached BCAP Code rule 14.

11 14. 11 The advertising of unsecured consumer credit or hire services by consumer credit businesses or consumer hire businesses and or details sbi bank personal loan brokering businesses or related credit services, such as debt counselling or debt adjusting is acceptable only if the advertiser complies with the financial promotions requirements imposed by FSMA and the FCA's rules set out in Chapter 3 of CONC.

The requirements for financial promotions set out in Chapter 3 of CONC do not apply: (a) where the credit is available details sbi bank personal loan to a company or other body corporate (such as a limited liability partnership); (b) where a financial promotion is solely promoting credit agreements or consumer hire agreements or P2P lending agreements for the purposes of a customer's business; (c) to a financial promotion cash advance staten island the extent that it relates to qualifying credit or (d) it falls within the definition of an excluded communication as set out in the FCA's handbook.

If the applicability or interpretation of these rules or provisions is in doubt, advertisers may contact the FCA. The FCA does not check financial promotions for compliance with the CONC rules before they are published.

Details sbi bank personal loan

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Details sbi bank personal loan

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