| Arbitration | A private process, agreed in the loan agreement, that replaces a court case. It ends in an award. |
| Arbitration clause | The term in the loan agreement that sends disputes to arbitration and says how the arbitrator is appointed. |
| Campaign | One upload of cases by a client, usually a spreadsheet of many loans. The unit of bulk work. |
| S.21 notice | The client’s request to the respondent to refer the dispute to arbitration (section 21 of the Arbitration and Conciliation Act, 1996). Proceedings begin when the respondent receives it. |
| Commencement notice | The administrator’s notice that the arbitration has begun. It is the notice that carries the respondent’s sign-in details. |
| Appointment basis | The legal route by which the arbitrator is appointed: A under the contract’s institution clause, B by consent after the dispute, C by the court under section 11, D by both sides nominating together. |
| Section 12 disclosure | The arbitrator’s signed written statement of any circumstance that could raise doubts about independence or impartiality. |
| Statement of claim | The client’s full written claim, with documents, filed after the arbitrator is appointed. |
| Interim relief (s.17) | A temporary order the arbitrator can make during the case, for example to protect a vehicle under a loan. Can be asked for at any stage. |
| Standing direction | An arbitrator’s written permission for routine reminders to go out without a fresh signature each time. |
| Procedural order | An arbitrator’s order on how the case will run, such as timelines. PO1 is the first. |
| Award | The arbitrator’s final, signed decision. It can be enforced like a court decree. |
| Challenge window | The time after receiving the award in which a party may apply to court to set it aside (section 34). |
| Settlement / withdrawal | The case ends because the parties agreed, or the client withdrew the claim. Either can happen at any stage. |