The Consumer Credit Act 1974 (as amended by the Consumer Credit Act 2006 and, even more recently, by the EU Consumer Credit Directive) is a notoriously difficult piece of legislation for both creditors and debtors. It has understandably created a significant number of legal challenges. This course considers how best to avoid such disputes.
Course content includes:
- When a regulated consumer credit or hire agreement is enforceable and when it is not
- How the Court has used the unfair relationship provisions so far
- What creditors must do before taking steps to terminate a regulated agreement or recover goods or land from debtors or hirers
- Issues of second charge lending and the notoriously complex bills of sale
- Hints and tips for consumer credit litigation
- Enforcement of judgments or orders