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Vol 22 No 11 Nov/Dec 2017

Book of the Month

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The Law of Contract Damages

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Consumer Credit: Law and Practice 2nd ed

ISBN13: 9781138019911
Published: January 2015
Publisher: Informa Law from Routledge
Country of Publication: UK
Format: Paperback
Price: £115.00

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This book is a clear and complete guide to the complex legislation surrounding consumer credit and problems which arise in the credit industry.

In a thorough treatment of the subject, the author examines the terminology of the Acts involved, the agreements to which the regulations apply, withdrawal and cancellation, debtors’ and creditors’ rights, the provision of security, the powers of the court and enforcement provisions. The approach is extremely practical and designed specifically to support the needs of the practitioner. Fully updated for the second edition, the author covers the impact of Financial Services Act 2012 and the FCA regulations and enforcement powers which come into force in 2014.

This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.

Consumer Law, Banking and Finance
1. Overview of consumer credit control
2. Terminology of the Consumer Credit Act and Financial Services and Markets Act 2000
3. Categories of exempt agreement and the regulatory impact of the Financial Services and Markets Act 2000 as amended by the Amendment (No 2) Order 2013. The Consumer Credit (Designation) Instrument 2013
4. Entry into the Agreement
5. The right of withdrawal and cancellation - when it arises
6. Effect of Non-compliance with requirements of the Agreements and other Regulations relating to entry into agreements
7. Continuing rights of the debtor and hirer
8. . Rights of the creditor or owner
9. Security under the Act 10. Powers of the Court
11. Authorisation
12. Promotion of credit
13. Credit information
14. Enforcement powers of the FCA and local authorities - the ombudsman