1. Introduction

These Credit Terms and Conditions govern the provision of credit accounts by St Helens Plant Limited to businesses or individuals applying for a credit account.

By submitting a credit application and receiving a credit account from St Helens Plant Limited, the Customer agrees to adhere to these Terms and Conditions.

These Terms and Conditions apply to all transactions conducted under the credit account in the United Kingdom.

2. Credit Account Application

The Customer must complete and submit a credit account application form via the Company’s website:

Credit Account Application

• The Company reserves the right to accept or decline any credit application at its sole discretion.
• The Customer confirms that all information provided is accurate, complete and up to date.
• The Company is not responsible for consequences arising from inaccurate or incomplete information.
• By applying, the Customer consents to credit checks and agrees to provide further documentation if requested.

3. Credit Limit

• Once approved, the Company will set a credit limit for the Customer.
• The credit limit may be reviewed and adjusted by the Company at any time.
• The Customer agrees not to exceed the approved credit limit.
• Further purchases may be rejected or require immediate payment if the limit is reached.

4. Payment Terms

The standard payment term for credit accounts is 30 days from the date of invoice, unless otherwise agreed in writing.

• Payments must be made to the designated bank account or payment method stated on the invoice.
• Payments must be received by the due date.
• Overdue balances may be charged interest at 2% per month.
• The Company may suspend or terminate the credit facility without notice if payments become overdue.

5. Ownership of Goods

Ownership of goods supplied by the Company remains with St Helens Plant Limited until full payment has been received.

The Customer agrees to store and protect the goods in a way that ensures they remain identifiable as the property of St Helens Plant Limited until paid for in full.

6. Late Payment and Collection

In the event of non-payment or late payment, the Company may take action to recover the debt.

• The matter may be referred to debt collection agencies or legal representatives.
• The Customer will be liable for costs incurred in collecting overdue payments.
• These costs may include legal fees, administrative costs and collection agency fees.

7. Credit Account Termination

The Customer may request to close their credit account at any time by providing written notice to the Company.

The Company may close or suspend the account if:

• The Customer breaches these Terms and Conditions.
• The Company has concerns regarding creditworthiness or payment history.
• The Customer becomes insolvent or enters bankruptcy proceedings.

Upon termination, the Customer must immediately pay any outstanding balance, including accrued interest and fees.

8. Use of the Credit Account

• The credit account is solely for purchasing goods and services from St Helens Plant Limited.
• The Customer agrees not to use the credit account for fraudulent or illegal purposes.
• The Customer is responsible for ensuring all orders are valid and authorised.

9. Liability

St Helens Plant Limited shall not be liable for loss, damage or consequential damages arising from delay, failure in supply, or events beyond its reasonable control.

The Customer agrees to indemnify and hold harmless St Helens Plant Limited from claims, losses or damages arising from use of the credit account.

10. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Changes to Credit Terms and Conditions

The Company reserves the right to amend, update or modify these Credit Terms and Conditions at any time. Significant changes may be notified to Customers and updated terms will be made available on the Company website.