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Claims Legislation

“CAB evidence shows that extortionate credit agreements exist across a range of credit products” — Daylight Robbery – Citizens Advice bureau

“Simplification of a part of the law which is intended to protect consumers is surely long overdue” — Lord Justice Clarke – 2002

The Consumer Credit Act

The Consumer Credit Act 2006 (The Act) updates and augments the 1974 Consumer Credit Act. It aims to create a fairer, clearer and more competitive consumer credit market and to improve protection for consumers.

The Act was implemented in three phases. In the first, on 6 April 2007, the Unfair Relationship Test was introduced for new agreements. This test was extended to cover all existing credit agreements on 6 April 2008.

“The Act…..will enable consumers to challenge unfair credit agreements in court”

What does it all mean?

The documentation for any loan or credit agreement falling under the Consumer Credit Act must have been produced, and completed, correctly and in line with the Act. Contractual irregularities could lead to an agreement being found to be unenforceable.

There are a number of different forms of statute laws, regulation and rules that may legislate your financial contract. Cartel Client Review and its solicitors will look at your specific contracts, identify under what legislation they fall and help you pursue a financial claim if issues are identified.

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