Read more
Informationen zum Autor Richard Mawrey QC is an advocate and legal scholar of 40 years experience who has been in practice at Henderson Chambers since 1965. He was involved in a very wide range of consumer credit law since before the 1974 Consumer Credit Act was passed, and helped to campaign for the full implementation of the Act in the early 1980s. He has edited Bullen Leake and Jacob's Precedents of Pleadings and Butterworths' Consumer Credit Legislation; and currently edits the Business Law section of Butterworths' Civil Court Precedents. Toby Riley-Smith (called 1995) is based at Henderson Chambers and specialises in the inter-related fields of commercial and consumer law and product liability fields. He advises consumers and finance houses on non-contentious and contentious aspects of the 1974 Act, and is a contributing editor to both Goode's Consumer Credit Law and Practice, one of the most authoritative texts on the subject, and Halsbury's Laws - Practice and Procedure. Klappentext This new Guide to the Consumer Credit Act 2006 covers all of the new provisions, together with discussion of the growing importance of the internet and electronic technology to this area of the law, whilst also placing the new Act in the context of what has gone before. The commentary in the Guide is structured in a clear and logical way, thus enabling readers to quickly access the information they require. Zusammenfassung Covering almost all the provisions of the Consumer Credit Act 2006, this guide includes a discussion of the importance of the internet and electronic technology to this area of the law. Placing the Act in the context of what has gone before, the commentary included is structured in a clear and logical way. Inhaltsverzeichnis 1: Introduction The Consumer Credit Act 1974 and its History The Move Towards Change The Consumer Credit Act 2006 2: Scope of the Act General Scope of the Act Definition of 'Individual' Removal of Financial Limits and New Exemptions from Regulation Changes to the Terminology of the Consumer Credit Act 1974 Reform of the Licensing System Civil Penalties and Reform of the Appeals Procedures Creation of the Ombudsman Scheme Statements New Provisions for Default and Termination Unfair Relationships Miscellaneous Changes Changes in Consumer Credit Regulations 3: Licencing of Credit Businesses The Existing System of Licensing under the Consumer Credit Act 1974 Scope of Businesses Covered by the Consumer Credit Act 2006 Consequences of Trading without a Licence Applying for a Licemce: the 'Fitness Test' Variation of Licences 'Indefinite' Licences Poers of the Office of Fair Trading Information Penalties The Consumer Credit Appeals Tribunal 4: Financial Ombudsman Introduction The Financial Ombudsman Service The New Consumer Credit Jurisdiction and Rules Practice and Procedure of a Complaint to the Financial Ombudsman Service Funding of the Ombudsman Scheme Various Consequential Amendments Relating to the Ombudsman Scheme The Implications of the Consumer Credit Scheme 5: Statements Introduction Pre-contractual Information Post-contractual Information Conclusion 6: Agreements Introduction The Structure of Regulation Amended Form and Content of Consumer Credit Agreements Amended Form and Content of Consumer Hire Agreements Amended Form and Content of Modifying Agreements 7: Default and Enforcement The Existing Default and Enforcement Provisions Default Notices 'Default Sums' Notice of Default Sums Interest on Default Sums Notice of Sums in Arrears: Fixed-sum Credit Agreements Notice of Sums in Arrears: Running-account Credit Agreements Failure to Give Notice of Sums in Arrears Information Sheets Enforceability of Regulate...
