http://www.legislation.gov.uk/ukpga/1974/39/part/X/2010-04-30Consumer Credit Act 1974An Act to establish for the protection of consumers a new system, administered by the Director General of Fair Trading, of licensing and other control of traders concerned with the provision of credit, or the supply of goods on hire or hire-purchase, and their transactions, in place of the present enactments regulating moneylenders, pawnbrokers and hire-purchase traders and their transactions; and for related matters.1978-09-30texttext/xmlenStatute Law Database2024-05-172010-04-30 Part X Ancillary Credit Businesses Definitions Types of ancillary credit business.1451An ancillary credit business is any business so far as it comprises or relates to—acredit brokerage,bdebt-adjusting,cdebt-counselling,ddebt-collecting,dadebt administration,dbthe provision of credit information services, orethe operation of a credit reference agency.2Subject to section 146(5) and (5A), credit brokerage is the effecting of introductions—aof individuals desiring to obtain credit—ito persons carrying on businesses to which this sub-paragraph applies, oriiin the case of an individual desiring to obtain credit to finance the acquisition or provision of a dwelling occupied or to be occupied by himself or his relative, to any person carrying on a business in the course of which he provides credit secured on land, orbof individuals desiring to obtain goods on hire to persons carrying on businesses to which this paragraph applies, orcof individuals desiring to obtain credit, or to obtain goods on hire, to other credit-brokers.3Subsection (2)(a)(i) applies to—aa consumer credit business;ba business which comprises or relates to consumer credit agreements being, otherwise than by virtue of section 16(5)(a), exempt agreements;ca business which comprises or relates to unregulated agreements where—ithe law applicable to the agreement is the law of a country outside the United Kingdom, andiiif the law applicable to the agreement were the law of a part of the United Kingdom it would be a regulated consumer credit agreement.4Subsection (2)(b) applies to—aa consumer hire business;aaa business which comprises or relates to consumer hire agreements being, otherwise than by virtue of section 16(6), exempt agreements;ba business which comprises or relates to unregulated agreements where—ithelaw applicable to the agreement is the law of a country outside the United Kingdom, andiiif th law applicable to the agreement were the law of a part of the United Kingdom it would be a regulated consumer hire agreement.5Subject to section 146(5B) and (6) , debt-adjusting is, in relation to debts due under consumer credit agreements or consumer hire agreements,—anegotiating with the creditor or owner, on behalf of the debtor or hirer, terms for the discharge of a debt, orbtaking over, in return for payments by the debtor or hirer, his obligation to discharge a debt, orcany similar activity concerned with the liquidation of a debt.6Subject to section 146(5C) and (6) , debt-counselling is the giving of advice to debtors or hirers about the liquidation of debts due under consumer credit agreements or consumer hire agreements.7Subject to section 146(6), debt-collecting is the taking of steps to procure payment of debts due under consumer credit agreements or consumer hire agreements.7ASubject to section 146(7), debt administration is the taking of steps—ato perform duties under a consumer credit agreement or a consumer hire agreement on behalf of the creditor or owner, orbto exercise or to enforce rights under such an agreement on behalf of the creditor or owner,so far as the taking of such steps is not debt-collecting.7BA person provides credit information services if—ahe takes any steps mentioned in subsection (7C) on behalf of an individual; orbhe gives advice to an individual in relation to the taking of any such steps.7CThose steps are steps taken with a view—ato ascertaining whether a credit information agency (other than that person himself if he is one) holds information relevant to the financial standing of an individual;bto ascertaining the contents of such information held by such an agency;cto securing the correction of, the omission of anything from, or the making of any other kind of modification of, such information so held; ordto securing that such an agency which holds such information—istops holding it; oriidoes not provide it to another person.7DIn subsection (7C) ‘credit information agency’ means—aa person carrying on a consumer credit business or a consumer hire business;ba person carrying on a business so far as it comprises or relates to credit brokerage, debt-adjusting, debt-counselling, debt-collecting, debt administration or the operation of a credit reference agency;ca person carrying on a business which would be a consumer credit business except that it comprises or relates to consumer credit agreements being, otherwise than by virtue of section 16(5)(a), exempt agreements; orda person carrying on a business which would be a consumer hire business except that it comprises or relates to consumer hire agreements being, otherwise than by virtue of section 16(6), exempt agreements.8A credit reference agency is a person carrying on a business comprising the furnishing of persons with information relevant to the financial standing of individuals, being information collected by the agency for that purpose. Exceptions from section 145.1461A barrister or advocate acting in that capacity is not to be treated as doing so in the course of any ancillary credit business.2A solicitor engaging in contentious business (as defined in section 87(1) of the Solicitors Act 1974) is not to be treated as doing so in the course of any ancillary credit business.2AAn authorised person (other than a barrister or solicitor) engaging in contentious business is not to be treated as doing so in the course of any ancillary credit business.2BIn subsection (2A)—authorised person” means a person who, for the purposes of the Legal Services Act 2007, is an authorised person in relation to an activity which constitutes the exercise of a right of audience or the conduct of litigation (within the meaning of that Act);contentious business” means business done in or for the purposes of proceedings begun before a court or before an arbitrator, not being non-contentious or common form probate business (within the meaning of section 128 of the Supreme Court Act 1981).3A solicitor within the meaning of the Solicitors (Scotland) Act 1933 engaging in business done in or for the purposes of proceedings before a court or before an arbiter is not to be treated as doing so in the course of any ancillary credit business.4A solicitor in Northern Ireland engaging in contentious business (as defined in Article 3(2) of the Solicitors (Northern Ireland) Order 1976., is not to be treated as doing so in the course of any ancillary credit business.5For the purposes of section 145(2), introductions effected by an individual by canvassing off trade premises either debtor-creditor-supplier agreements falling within section 12(a) or regulated consumer hire agreements shall be disregarded if—athe introductions are not effected by him in the capacity of an employee, andbhe does not by any other method effect introductions falling within section 145(2).5AIt is not credit brokerage for a person to effect the introduction of an individual desiring to obtain credit if the introduction is made—ato an authorised person, within the meaning of the 2000 Act, who has permission under that Act to enter into a relevant agreement as lender or home purchase provider (as the case may be); orbto a qualifying broker,with a view to that individual obtaining credit under the relevant agreement .5BIt is not debt-adjusting for a person to carry on an activity mentioned in paragraph (a), (b) or (c) of section 145(5) if—athe debt in question is due under a relevant agreement; andbthat activity is a regulated activity for the purposes of the 2000 Act.5CIt is not debt-counselling for a person to give advice to debtors about the liquidation of debts if—athe debt in question is due under a relevant agreement; andbgiving that advice is a regulated activity for the purposes of the 2000 Act.5DIn this section—the 2000 Act” means the Financial Services and Markets Act 2000;relevant agreement” means an agreement which—is secured by a land mortgage, oris or forms part of a regulated home purchase plan,but only if entering into the agreement as lender or home purchase provider (as the case may be) is a regulated activity for the purposes of the 2000 Act.qualifying broker” means a person who may effect introductions of the kind mentioned in subsection (5A) without contravening the general prohibition, within the meaning of section 19 of the 2000 Act,and references to “regulated activities”, “regulated home purchase plan” and “home purchase provider” and the definition of “qualifying broker” must be read with—asection 22 of the 2000 Act (regulated activities: power to specify classes of activity and categories of investment);bany order for the time being in force under that section; andcSchedule 2 to that Act.6It is not debt-adjusting, debt-counselling or debt-collecting for a person to do anything in relation to a debt arising under an agreement if any of the following conditions is satisfiedaathat he is the creditor or owner under the agreement, orcthat he is the supplier in relation to the agreement, ordthat he is a credit-broker who has acquired the business of the person who was the supplier in relation to the agreement, orethat he is a person prevented by subsection (5) from being treated as a credit-broker, and the agreement was made in consequence of an introduction (whether made by him or another person) which, under subsection (5), is to be disregarded.7It is not debt administration for a person to take steps to perform duties, or to exercise or enforce rights, under an agreement on behalf of the creditor or owner if any of the conditions mentioned in subsection (6)(aa) to (e) is satisfied in relation to that person. Licensing Application of Part III.1471. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2Without prejudice to the generality of section 26, regulations under that section . . . ) may include provisions regulating the collection and dissemination of information by credit reference agencies. Agreement for services of unlicensed trader.1481An agreement for the services of a person carrying on an ancillary credit business (the “trader ”), if made when the trader was unlicensed, is enforceable against the other party (the “customer ”) only where the OFT has made an order under subsection (2) which applies to the agreement.2The trader or his successor in title may apply to the OFT for an order that agreements within subsection (1) are to be treated as if made when the trader was licensed.3Unless the OFT determines to make an order under subsection (2) in accordance with the application, it shall, before determining the application, by notice—ainform the trader, giving its reasons, that, as the case may be, it is minded to refuse the application, or to grant it in terms different from those applied for, describing them, andbinvite the trader to submit to the OFT representations in support of his application in accordance with section 34.4In determining whether or not to make an order under subsection (2) in respect of any period the OFT shall consider, in addition to any other relevant factors,—ahow far, if at all, customers, under agreements made by the trader during that period were prejudiced by the trader’s conduct,bwhether or not the OFT would have been likely to grant a licence covering that period on an application by the trader, andcthe degree of culpability for the failure to obtain a licence.5If the OFT thinks fit, it may in an order under subsection (2)—alimit the order to specified agreements, or agreements of a specified description or made at a specified time;bmake the order conditional on the doing of specified acts by the trader.6This section does not apply to an agreement made by a consumer credit EEA firm unless at the time it was made that firm was precluded from entering into it as a result of—aa consumer credit prohibition imposed under section 203 of the Financial Services and Markets Act 2000; orba restriction imposed on the firm under section 204 of that Act. Regulated agreements made on introductions by unlicensed credit-broker.1491A regulated agreement made by a debtor or hirer who, for the purpose of making that agreement, was introduced to the creditor or owner by an unlicensed credit-broker is enforceable against the debtor or hirer only where—aon the application of the credit-broker, the OFT has made an order under section 148(2) in respect of a period including the time when the introduction was made, and the order does not (whether in general terms or specifically) exclude the application of this paragraph to the regulated agreement, orbthe OFT has made an order under subsection (2) which applies to the agreement.2Where during any period individuals were introduced to a person carrying on a consumer credit business or consumer hire business by an unlicensed credit-broker for the purpose of making regulated agreements with the person carrying on that business, that person or his successor in title may apply to the OFT for an order that regulated agreements so made are to be treated as if the credit-broker had been licensed at the time of the introduction.3Unless the OFT determines to make an order under subsection (2) in accordance with the application, it shall, before determining the application, by notice—ainform the applicant, giving its reasons, that, as the case may be, it is minded to refuse the application, or to grant it in terms different from those applied for, describing them, andbinvite the applicant to submit to the OFT representations in support of his application in accordance with section 34.4In determining whether or not to make an order under subsection (2) the OFT shall consider, in addition to any other relevant factors—ahow far, if at all, debtors or hirers under regulated agreements to which the application relates were prejudiced by the credit-broker’s conduct, andbthe degree of culpability of the applicant in facilitating the carrying on by the credit-broker of his business when unlicensed.5If the OFT thinks fit, it may in an order under subsection (2)—alimit the order to specified agreements, or agreements of a specified description or made at a specified time;bmake the order conditional on the doing of specified acts by the applicant.6For the purposes of this section, “unlicensed credit-broker ” does not include a consumer credit EEA firm unless at the time the introduction was made that firm was precluded from making it as a result of—aa consumer credit prohibition imposed under section 203 of the Financial Services and Markets Act 2000; orba restriction imposed on the firm under section 204 of that Act. Appeals to Secretary of State against licensing decisions.150. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Seeking business Advertisements.1511Sections 44 to 47 apply to an advertisement published for the purposes of a business of credit brokerage carried on by any person, whether it advertises the services of that person or the services of persons to whom he effects introductions, as they apply to an advertisement to which Part IV applies.2Sections 44 . . . and 47 apply to an advertisement, published for the purposes of a business carried on by the advertiser, indicating that he is willing to advise on debts, to engage in transactions concerned with the liquidation of debts or to provide credit information services, as they apply to an advertisement to which Part IV applies.2AAn advertisement does not fall within subsection (1) or (2) in so far as it is a communication of an invitation or inducement to engage in investment activity within the meaning of section 21 of the Financial Services and Markets Act 2000, other than an exempt generic communication (as defined in section 43(3B)).3The Secretary of State may by order provide that an advertisement published for the purposes of a business of credit brokerage, debt adjusting , debt-counselling or the provision of credit information services shall not fall within subsection (1) or (2) if it is of a description specified in the order.4An advertisement (other than one for credit information services) does not fall within subsection (2) if it indicates that the advertiser is not willing to act in relation to consumer credit agreements and consumer hire agreements.5In subsections (1) and (3) “credit brokerage ” includes the effecting of introductions of individuals desiring to obtain credit to any person carrying on a business in the course of which he provides credit secured on land. Application of sections 52 to 54 to credit brokerage <Abbreviation Expansion="et cetera" xml:lang="la">etc.</Abbreviation>1521Sections 52 to 54 apply to a business of credit brokerage, debt-adjusting , debt-counselling or the provision of credit information services as they apply to a consumer credit business.2In their application to a business of credit brokerage, sections 52 and 53 shall apply to the giving of quotations and information about the business of any person to whom the credit-broker effects introductions as well as to the giving of quotations and information about his own business. Definition of canvassing off trade premises (agreements for ancillary credit services).1531An individual (the “canvasser ”) canvasses off trade premises the services of a person carrying on an ancillary credit business if he solicits the entry of another individual (the “consumer ”) into an agreement for the provision to the consumer of those services by making oral representations to the consumer, or any other individual, during a visit by the canvasser to any place (not excluded by subsection (2)) where the consumer, or that other individual as the case may be, is, being a visit—acarried out for the purpose of making such oral representations to individuals who are at that place, butbnot carried out in response to a request made on a previous occasion.2A place is excluded from subsection (1) if it is a place where (whether on a permanent or temporary basis)—athe ancillary credit business is carried on, orbany business is carried on by the canvasser or the person whose employee or agent the canvasser is, or by the consumer. Prohibition of canvassing certain ancillary credit services off trade premises.154It is an offence to canvass off trade premises the services of a person carrying on a business of credit-brokerage, debt-adjusting , debt-counselling or the provision of credit information services. Right to recover brokerage fees.1551Subject to subsection (2A),the excess over £5 of a fee or commission for his services charged by a credit-broker to an individual to whom this subsection applies shall cease to be payable or, as the case may be, shall be recoverable by the individual if the introduction does not result in his entering into a relevant agreement within the six months following the introduction (disregarding any agreement which is cancelled under section 69(1) or becomes subject to section 69(2)).2Subsection (1) applies to an individual who sought an introduction for a purpose which would have been fulfilled by his entry into—aa regulated agreement, orbin the case of an individual such as is referrred to in section 145(2)(a)(ii), an agreement for credit secured on land, orcan agreement such as is referred to in section 145(3)(b) or (c) or (4)(b).2ABut subsection (1) does not apply where—athe fee or commission relates to the effecting of an introduction of a kind mentioned in section 146(5A); andbthe person charging that fee or commission is an authorised person or an appointed representative, within the meaning of the Financial Services and Markets Act 2000.3An agreement is a relevant agreement for the purposes of subsection (1) in relation to an individual if it is an agreement such as is referred to in subsection (2) in relation to that individual.4In the case of an individual desiring to obtain credit under a consumer credit agreement, any sum payable or paid by him to a credit-broker otherwise than as a fee or commission for the credit-broker’s services shall for the purposes of subsection (1) be treated as such a fee or commission if it enters, or would enter, into the total charge for credit. Entry into agreements Entry into agreements.156Regulations may make provision, in relation to agreements entered into in the course of a business of credit brokerage, debt-adjusting , debt-counselling or the provision of credit information services, corresponding, with such modifications as the Secretary of State thinks fit, to the provision which is or may be made by or under sections 55, 60, 61, 62, 63, 65, 127, 179 or 180 in relation to agreements to which those sections apply. Credit reference agencies Duty to disclose name etc. of agency.1571A creditor, owner or negotiator, within the prescribed period after receiving a request in writing to that effect from the debtor or hirer, shall give him notice of the name and address of any credit reference agency from which the creditor, owner or negotiator has, during the antecedent negotiations, applied for information about his financial standing.2Subsection (1) does not apply to a request received more than 28 days after the termination of the antecedent negotiations, whether on the making of the regulated agreement or otherwise.3If the creditor, owner or negotiator fails to comply with subsection (1) he commits an offence. Duty of agency to disclose filed information.1581A credit reference agency, within the prescribed period after receiving,—aa request in writing to that effect from a consumer,bsuch particulars as the agency may reasonably require to enable them to identify the file, andca fee of £2,shall give the consumer a copy of the file relating to it kept by the agency.2When giving a copy of the file under subsection (1), the agency shall also give the consumer a statement in the prescribed form of the consumer’s rights under section 159.3If the agency does not keep a file relating to the consumer it shall give the consumernotice of that fact, but need not return any money paid.4If the agency contravenes any provision of this section it commits an offence.4AIn this section ‘consumer’ means—aa partnership consisting of two or three persons not all of whom are bodies corporate; orban unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership.5In this Act “file ”, in relation to an individual, means all the information about him kept by a credit reference agency, regardless of how the information is stored, and “copy of the file ”, as respects information not in plain English, means a transcript reduced into plain English.

Correction of wrong information.1591Any individual (the “objector ”) given—ainformation under section 7 of the Data Protection Act 1998 by a credit reference agency, orbinformation under section 158,who considers that an entry in his file is incorrect, and that if it is not corrected he is likely to be prejudiced, may give notice to the agency requiring it either to remove the entry from the file or amend it.2Within 28 days after receiving a notice under subsection (1), the agency shall by notice inform the objector that it has—aremoved the entry from the file, orbamended the entry, orctaken no action,and if the notice states that the agency has amended the entry it shall include a copy of the file so far as it comprises the amended entry.3Within 28 days after receiving a notice under subsection (2), or where no such notice was given, within 28 days after the expiry of the period mentioned in subsection (2), the objector may, unless he has been informed by the agency that it has removed the entry from his file, serve a further notice on the agency requiring it to add to the file an accompanying notice of correction (not exceeding 200 words) drawn up by the objector, and include a copy of it when furnishing information included in or based on that entry.4Within 28 days after receiving a notice under subsection (3), the agency, unless it intends to apply to the the relevant authority under subsection (5), shall by notice inform the objector that it has received the notice under subsection (3) and intends to comply with it.5If—athe objector has not received a notice under subsection (4) within the time required, orbit appears to the agency that it would be improper for it to publish a notice of correction because it is incorrect, or unjustly defames any person, or is frivolous or scandalous, or is for any other reason unsuitable,the objector or, as the case may be, the agency may, in the prescribed manner and on payment of the specified fee, apply to the relevant authority, who may make such order on the application as he thinks fit.6If a person to whom an order under this section is directed fails to comply with it within the period specified in the order he commits an offence.7The Information Commissioner may vary or revoke any order made by him under this section.8In this section “the relevant authority ” means—awhere the objector is a partnership or other unincorporated body of persons, the OFT , andbin any other case, the Information Commissioner. Alternative procedure for business consumers.1601The OFT , on an application made by a credit reference agency, may direct that this section shall apply to the agency if it is satisfied—athat compliance with section 158 in the case of consumers who carry on a business would adversely affect the service provided to its customers by the agency, andbthat, having regard to the methods employed by the agency and to any other relevant factors, it is probable that consumers carrying on a business would not be prejudiced by the making of the direction.2Where an agency to which this section applies receives a request, particulars and a fee under section 158(1) from a consumer who carries on a business, and section 158(3) does not apply, the agency, instead of complying with section 158, may elect to deal with the matter under the following subsections.3Instead of giving the consumer a copy of the file, the agency shall within the prescribed period give notice to the consumer that it is proceeding under this section, and by notice give the consumer such information included in or based on entries in the file as the OFT may direct, together with a statement in the prescribed form of the consumer’s rights under subsections (4) and (5).4If within 28 days after receiving the information given to the consumer under subsection (3), or such longer period as the OFT may allow, the consumer—agives notice to the OFT that the consumer is dissatisfied with the information, andbsatisfies the OFT that the consumer has taken such steps in relation to the agency as may be reasonable with a view to removing the cause of the consumer’s dissatisfaction, andcpays the OFT the specified fee,the OFT may direct the agency to give the OFT a copy of the file, and the OFT may disclose to the consumer such of the information on the file as the OFT thinks fit.5Section 159 applies with any necessary modifications to information given to the consumer under this section as it applies to information given under section 158.6If an agency making an election under subsection (2) fails to comply with subsection (3) or (4) it commits an offence.7In this section “consumer ” has the same meaning as in section 158.<Addition ChangeId="d29p17469" CommentaryRef="c20964871">Credit intermediaries</Addition>160A1In this section “credit intermediary” means a person who in the course of business—acarries out any of the activities specified in subsection (2) for a consideration that is or includes a financial consideration, andbdoes not do so as a creditor.2The activities are—arecommending or making available prospective regulated consumer credit agreements, other than agreements secured on land, to individuals,bassisting individuals by undertaking other preparatory work in relation to such agreements, orcentering into regulated consumer credit agreements, other than agreements secured on land, with individuals on behalf of creditors.3A credit intermediary must in—aadvertising of his relating to an activity in subsection (2) which is intended for individuals not acting the course of a business, orbdocumentation of his relating to an activity in subsection (2) which is intended for individuals,indicate the extent to which the intermediary is acting independently and in particular whether he works exclusively with a creditor.4Where a credit intermediary carries on an activity specified in subsection (2) for a debtor, the intermediary must secure that any financial consideration payable to him by the debtor for the activity is disclosed to the debtor and then agreed in writing before the regulated consumer credit agreement is concluded.5Where a credit intermediary carries on an activity specified in subsection (2) for a debtor, the intermediary must disclose to the creditor the financial consideration for the activity payable by the debtor if the annual percentage rate of the total charge for credit prescribed under section 20 is to be ascertained by the creditor.6A credit intermediary who fails to comply with a requirement of this section commits an offence.7An offence under this section is to be treated for the purposes of the definition of “relevant offence” in section 38(1) and (2) of the Regulatory Enforcement and Sanctions Act 2008 as an offence contained in this Act immediately before the day on which that Act was passed.
S. 145(1)(da) substituted (1.10.2008) for word by Consumer Credit Act 2006 (c. 14), ss. {24(1)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3S. 145(1)(db) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(1)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 145(2) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 21(1)(a)Words in s. 145(3)(c)(4)(b) substituted (1.4.1991) by Contracts (Applicable Law) Act 1990 (c. 36, SIF 30), s. 5, Sch. 4 para. 2 ; S.I. 1991/707, art. 2S. 145(4)(aa) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {5(4)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2Words in s. 145(5) substituted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 21(1)(b)Words in s. 145(6) substituted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 21(1)(c)S. 145(7A) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {24(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1S. 145(7B)-(7D) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {25(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1S. 146(2)(4) amended (1.1.1992) by S.I. 1991/2684, arts. 2, 4, Sch. 1Words in s. 146(2) substituted (31.1.1997 subject to transitional provisions) by 1996 c. 23, s. 107(1), Sch. 3 para. 28(2) (with s. 81(2)); S.I. 1996/3146, art. 3S. 146(2A)(2B) inserted (1.1.2010) by Legal Services Act 2007 (c. 29), ss. 208, 211, Sch. 21 para. 31 (with ss. 29, 192, 193); S.I. 2009/3250, art. 2(h) (with art. 9)1933 c. 21. Words in s. 146(4) substituted (31.1.1997 subject to transitional provisions) by 1996 c. 23, s. 107(1), Sch. 3 para, 28(3) (with s. 81(2)); S.I. 1996/3146, art. 3S. 146(5A)-(5D) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 21(2)S. 145(5A)(a) substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383), arts. 1(2), 25(4)(a)(i)Words in s. 145(5A) substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383), arts. 1(2), 25(4)(a)(ii)S. 145(5D): definition of "relevant agreement" substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383), arts. 1(2), 25(4)(b)(i)Words in s. 145(5D) inserted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383), arts. 1(2), 25(4)(b)(ii)Words in s. 146(6) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {24(3)(a)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3S. 146(6)(aa) substituted (1.10.2008) for s. 146(6)(a)(b) by Consumer Credit Act 2006 (c. 14), ss. {24(3)(b)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Word in s. 146(6)(c)-(e) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {24(3)(c)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3S. 146(7) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {24(4)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1S. 147(1) restricted (1.1.1993) by S.I. 1992/3218, reg. 5(1)(c)S. 147(1) excluded (1.1.1996) by S.I. 1995/3275, reg. 5(1)(b)S. 147(1) excluded (1.12.2001) by 2000 c. 8, ss. 31(1)(b), 37, Sch. 3 Pt. II para. 15(3); S.I. 2001/3538, art. 2(1)S. 147(1) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2Words in s. 147(2) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2S. 148 restricted (1.1.1998) by S.I. 1992/3218, reg. 61(2)S. 148 modified (1.1.1996) by S.I. 1995/3275, reg. 38(2)Words in s. 148 substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(28)(a); S.I. 2003/766, art. 2, Sch. (with art. 3)Words in s. 148(3) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(28)(b)(i); S.I. 2003/766, art. 2, Sch. (with art. 3)Word in s. 148(3)(a) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(28)(b)(ii); S.I. 2003/766, art. 2, Sch. (with art. 3)Word in s. 148(5) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(28)(c); S.I. 2003/766, art. 2, Sch. (with art. 3)S. 148(6) inserted (1.12.2001) by S.I. 2001/3649, art. 173S. 149 restricted (1.1.1993) by S.I. 1992/3218, reg. 61(3)S. 149 modified (1.1.1996) by S.I. 1995/3275, reg. 38(3)Words in s. 149 substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(29)(a); S.I. 2003/766, art. 2, Sch. (with art. 3)Words in s. 149(3) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(29)(b)(i); S.I. 2003/766, art. 2, Sch. (with art. 3)Word in s. 149(3)(a) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(29)(b)(ii); S.I. 2003/766, art. 2, Sch. (with art. 3)Word in s. 149(5) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(29)(c); S.I. 2003/766, art. 2, Sch. (with art. 3)S. 149(6) inserted (1.12.2001) by S.I. 2001/3649, art. 174S. 150 repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2Words in s. 151 repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(3), Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))Word in s. 151(2) substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(3)(a)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 151(2) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(3)(a)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3S. 151(2A) inserted (1.9.2002) by S.I. 2001/544, arts. 2, 90(7); S.I. 2001/3538, art. 2Words in s. 151(3) substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(3)(b)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 151(4) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(3)(c)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 152(1) substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(4)(a)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 154 substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(4)(b)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Words in s. 155(1) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 22(2)"£5" substituted (1.5.1998) in s. 155(1) by S.I. 1998/997, art. 3, Sch.S. 155(2A) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 22(3)Words in s. 156 substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(4)(c)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3S. 158(1)(a) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(5)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))"£2" substituted (1.5.1998) in s. 158(1) by S.I. 1998/997, art. 3, Sch.Word in s. 158(1) substituted (1.3.2000) by 1998 c. 29, s. 62(1)(a)(ii) (with Sch. 14 para. 20); S.I. 2000/183, art. 2Words in s. 158(2)(3) substituted (1.3.2000) by 1998 c. 29, ss. 62(1)(b)(c) (with Sch. 14 para. 20); S.I. 2000/183, art. 2S. 158(4A) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(6)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))S. 159(1) substituted (1.3.2000) by 1998 c. 29, s.62(2); S.I. 2000/183, art. 2 (with ss. 159, 160)Words in s. 159(2)-(6) substituted (1.3.2000) by 1998 c. 29, s. 62(3)(a)(b); S.I. 2000/183, art. 2 (with art. 2(2))S. 159(7)(8) inserted (1.3.2000) by 1998 c. 29, s. 62(4); S.I. 2000/183, art. 2 (with art. 2(2))Words in s. 159(7)(8)(b) substituted (30.1.2001) by 2000 c. 36, ss. 18(4), 87(2), Sch. 2 Pt. I para. 7 (with ss. 7(1)(7), 56, 78)Words in s. 159 substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(30); S.I. 2003/766, art. 2, Sch. (with art. 3)Words in s. 160 substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(31)(a); S.I. 2003/766, art. 2, Sch. (with art. 3)Word in s. 160(1) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(31)(b); S.I. 2003/766, art. 2, Sch. (with art. 3)Words in s. 160(4) substituted (1.3.2000) by 1998 c. 29, s. 62(5)(a)(i); S.I. 2000/183, art. 2 (with art. 2(2))Words in s. 160(4)(a)(b) substituted (1.3.2000) by 1998 c. 29, s. 62(5)(a)(ii); S.I. 2000/183, art. 2 (with art. 2(2))S. 160(7) inserted (1.3.2000) by 1998 c. 29, s. 62(5)(b); S.I. 2000/183, art. 2 (with art. 2(2))S. 160A inserted (30.4.2010 for certain purposes and otherwise 1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 41, 99(1)(2)(c) (with regs. 100, 101)
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<dc:title>Consumer Credit Act 1974</dc:title>
<dc:description>An Act to establish for the protection of consumers a new system, administered by the Director General of Fair Trading, of licensing and other control of traders concerned with the provision of credit, or the supply of goods on hire or hire-purchase, and their transactions, in place of the present enactments regulating moneylenders, pawnbrokers and hire-purchase traders and their transactions; and for related matters.</dc:description>
<dc:date>1978-09-30</dc:date>
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<ukm:AffectingTitle>Financial Services Act 2010</ukm:AffectingTitle>
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<Primary>
<Body DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/body/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/body" NumberOfProvisions="259" RestrictExtent="E+W+S+N.I." RestrictEndDate="2011-02-01">
<Part DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X" NumberOfProvisions="17" RestrictEndDate="2013-07-26" id="part-X" RestrictExtent="E+W+S+N.I.">
<Number>
<Strong>Part X</Strong>
</Number>
<Title> Ancillary Credit Businesses</Title>
<Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/crossheading/definitions/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X/crossheading/definitions" NumberOfProvisions="2" RestrictEndDate="2013-07-26" id="part-X-crossheading-definitions">
<Title> Definitions</Title>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-10-01">
<Title> Types of ancillary credit business.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145" id="section-145">
<Pnumber>145</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1" id="section-145-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>An ancillary credit business is any business so far as it comprises or relates to—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/a" id="section-145-1-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>credit brokerage,</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/b" id="section-145-1-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>debt-adjusting,</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/c" id="section-145-1-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>debt-counselling,</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/d/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/d" id="section-145-1-d">
<Pnumber>d</Pnumber>
<P3para>
<Text>debt-collecting,</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/da/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/da" id="section-145-1-da">
<Pnumber>
<Substitution ChangeId="d29p15738" CommentaryRef="c18821761">da</Substitution>
</Pnumber>
<P3para>
<Text>
<Substitution ChangeId="d29p15738" CommentaryRef="c18821761">debt administration,</Substitution>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/db/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/db" id="section-145-1-db">
<Pnumber>
<Addition ChangeId="d29p15746" CommentaryRef="c18821781">db</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15746" CommentaryRef="c18821781">the provision of credit information services, or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/1/e/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/1/e" id="section-145-1-e">
<Pnumber>e</Pnumber>
<P3para>
<Text>the operation of a credit reference agency.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2" RestrictEndDate="2014-04-01" id="section-145-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
Subject to section 146(5)
<Addition ChangeId="d29p15767" CommentaryRef="c18804711">and (5A)</Addition>
, credit brokerage is the effecting of introductions—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2/a" id="section-145-2-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>of individuals desiring to obtain credit—</Text>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/a/i/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2/a/i" id="section-145-2-a-i">
<Pnumber>i</Pnumber>
<P4para>
<Text>to persons carrying on businesses to which this sub-paragraph applies, or</Text>
</P4para>
</P4>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/a/ii/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2/a/ii" id="section-145-2-a-ii">
<Pnumber>ii</Pnumber>
<P4para>
<Text>in the case of an individual desiring to obtain credit to finance the acquisition or provision of a dwelling occupied or to be occupied by himself or his relative, to any person carrying on a business in the course of which he provides credit secured on land, or</Text>
</P4para>
</P4>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2/b" id="section-145-2-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>of individuals desiring to obtain goods on hire to persons carrying on businesses to which this paragraph applies, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/2/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2/c" id="section-145-2-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>of individuals desiring to obtain credit, or to obtain goods on hire, to other credit-brokers.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3" id="section-145-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>Subsection (2)(a)(i) applies to—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/a" id="section-145-3-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>a consumer credit business;</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/b" id="section-145-3-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>a business which comprises or relates to consumer credit agreements being, otherwise than by virtue of section 16(5)(a), exempt agreements;</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/c" id="section-145-3-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>a business which comprises or relates to unregulated agreements where—</Text>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/c/i/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/c/i" id="section-145-3-c-i">
<Pnumber>i</Pnumber>
<P4para>
<Text>
the
<Addition ChangeId="d29p15831" CommentaryRef="c2432481">law applicable to</Addition>
the agreement is the law of a country outside the United Kingdom, and
</Text>
</P4para>
</P4>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/3/c/ii/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/c/ii" id="section-145-3-c-ii">
<Pnumber>ii</Pnumber>
<P4para>
<Text>
if the
<Addition ChangeId="d29p15841" CommentaryRef="c2432481">law applicable to</Addition>
the agreement were the law of a part of the United Kingdom it would be a regulated consumer credit agreement.
</Text>
</P4para>
</P4>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4" id="section-145-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>Subsection (2)(b) applies to—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/a" id="section-145-4-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>a consumer hire business;</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/aa/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/aa" id="section-145-4-aa">
<Pnumber>
<Addition ChangeId="d29p15857" CommentaryRef="c18821801">aa</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15857" CommentaryRef="c18821801">a business which comprises or relates to consumer hire agreements being, otherwise than by virtue of section 16(6), exempt agreements;</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/b" id="section-145-4-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>a business which comprises or relates to unregulated agreements where—</Text>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/b/i/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/b/i" id="section-145-4-b-i">
<Pnumber>i</Pnumber>
<P4para>
<Text>
the
<Addition ChangeId="d29p15878" CommentaryRef="c2432481">law applicable to</Addition>
the agreement is the law of a country outside the United Kingdom, and
</Text>
</P4para>
</P4>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/4/b/ii/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/b/ii" id="section-145-4-b-ii">
<Pnumber>ii</Pnumber>
<P4para>
<Text>
if th
<Addition ChangeId="d29p15888" CommentaryRef="c2432481">law applicable to</Addition>
the agreement were the law of a part of the United Kingdom it would be a regulated consumer hire agreement.
</Text>
</P4para>
</P4>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5" RestrictEndDate="2014-04-01" id="section-145-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>
Subject to
<Substitution ChangeId="d29p15898" CommentaryRef="c18804731">section 146(5B) and (6)</Substitution>
, debt-adjusting is, in relation to debts due under consumer credit agreements or consumer hire agreements,—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/5/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5/a" id="section-145-5-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>negotiating with the creditor or owner, on behalf of the debtor or hirer, terms for the discharge of a debt, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/5/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5/b" id="section-145-5-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>taking over, in return for payments by the debtor or hirer, his obligation to discharge a debt, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/5/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5/c" id="section-145-5-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>any similar activity concerned with the liquidation of a debt.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/6" RestrictEndDate="2014-04-01" id="section-145-6">
<Pnumber>6</Pnumber>
<P2para>
<Text>
Subject to
<Substitution ChangeId="d29p15926" CommentaryRef="c18804761">section 146(5C) and (6)</Substitution>
, debt-counselling is the giving of advice to debtors or hirers about the liquidation of debts due under consumer credit agreements or consumer hire agreements.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7" RestrictEndDate="2014-04-01" id="section-145-7">
<Pnumber>7</Pnumber>
<P2para>
<Text>Subject to section 146(6), debt-collecting is the taking of steps to procure payment of debts due under consumer credit agreements or consumer hire agreements.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7A" RestrictEndDate="2014-04-01" id="section-145-7A">
<Pnumber>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">7A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">Subject to section 146(7), debt administration is the taking of steps—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7A/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7A/a" id="section-145-7A-a">
<Pnumber>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">to perform duties under a consumer credit agreement or a consumer hire agreement on behalf of the creditor or owner, or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7A/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7A/b" id="section-145-7A-b">
<Pnumber>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">to exercise or to enforce rights under such an agreement on behalf of the creditor or owner,</Addition>
</Text>
</P3para>
</P3>
<Text>
<Addition ChangeId="d29p15936" CommentaryRef="c18821721">so far as the taking of such steps is not debt-collecting.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7B/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7B" RestrictEndDate="2014-04-01" id="section-145-7B">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">7B</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">A person provides credit information services if—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7B/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7B/a" id="section-145-7B-a">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">he takes any steps mentioned in subsection (7C) on behalf of an individual; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7B/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7B/b" id="section-145-7B-b">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">he gives advice to an individual in relation to the taking of any such steps.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C" id="section-145-7C">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">7C</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">Those steps are steps taken with a view—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/a" id="section-145-7C-a">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">to ascertaining whether a credit information agency (other than that person himself if he is one) holds information relevant to the financial standing of an individual;</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/b" id="section-145-7C-b">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">to ascertaining the contents of such information held by such an agency;</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/c" id="section-145-7C-c">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">c</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">to securing the correction of, the omission of anything from, or the making of any other kind of modification of, such information so held; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/d/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/d" id="section-145-7C-d">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">d</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">to securing that such an agency which holds such information—</Addition>
</Text>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/d/i/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/d/i" id="section-145-7C-d-i">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">i</Addition>
</Pnumber>
<P4para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">stops holding it; or</Addition>
</Text>
</P4para>
</P4>
<P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7C/d/ii/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7C/d/ii" id="section-145-7C-d-ii">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">ii</Addition>
</Pnumber>
<P4para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">does not provide it to another person.</Addition>
</Text>
</P4para>
</P4>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7D/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D" id="section-145-7D">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">7D</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">In subsection (7C) ‘credit information agency’ means—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7D/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D/a" id="section-145-7D-a">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a person carrying on a consumer credit business or a consumer hire business;</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7D/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D/b" id="section-145-7D-b">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a person carrying on a business so far as it comprises or relates to credit brokerage, debt-adjusting, debt-counselling, debt-collecting, debt administration or the operation of a credit reference agency;</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7D/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D/c" id="section-145-7D-c">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">c</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a person carrying on a business which would be a consumer credit business except that it comprises or relates to consumer credit agreements being, otherwise than by virtue of section 16(5)(a), exempt agreements; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/7D/d/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D/d" id="section-145-7D-d">
<Pnumber>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">d</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p15958" CommentaryRef="c18821741">a person carrying on a business which would be a consumer hire business except that it comprises or relates to consumer hire agreements being, otherwise than by virtue of section 16(6), exempt agreements.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/145/8/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/8" RestrictEndDate="2014-04-01" id="section-145-8">
<Pnumber>8</Pnumber>
<P2para>
<Text>A credit reference agency is a person carrying on a business comprising the furnishing of persons with information relevant to the financial standing of individuals, being information collected by the agency for that purpose.</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2010-01-01">
<Title> Exceptions from section 145.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146" id="section-146">
<Pnumber>146</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/1" id="section-146-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>A barrister or advocate acting in that capacity is not to be treated as doing so in the course of any ancillary credit business.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2" id="section-146-2">
<Pnumber>
<CommentaryRef Ref="c2432581"/>
2
</Pnumber>
<P2para>
<Text>
A solicitor engaging in contentious business (as defined in
<Addition ChangeId="d29p16078" CommentaryRef="c2432591">section 87(1) of the Solicitors Act 1974</Addition>
) is not to be treated as doing so in the course of any ancillary credit business.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/2A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2A" id="section-146-2A">
<Pnumber>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">2A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">An authorised person (other than a barrister or solicitor) engaging in contentious business is not to be treated as doing so in the course of any ancillary credit business.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/2B/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2B" id="section-146-2B">
<Pnumber>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">2B</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">In subsection (2A)—</Addition>
</Text>
<UnorderedList Decoration="none" Class="Definition">
<ListItem>
<Para>
<Text>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891"></Addition>
<Term id="term-authorised-person">
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">authorised person</Addition>
</Term>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">” means a person who, for the purposes of the Legal Services Act 2007, is an authorised person in relation to an activity which constitutes the exercise of a right of audience or the conduct of litigation (within the meaning of that Act);</Addition>
</Text>
</Para>
</ListItem>
<ListItem>
<Para>
<Text>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891"></Addition>
<Term id="term-contentious-business">
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">contentious business</Addition>
</Term>
<Addition ChangeId="d29p16082" CommentaryRef="c19686891">” means business done in or for the purposes of proceedings begun before a court or before an arbitrator, not being non-contentious or common form probate business (within the meaning of section 128 of the Supreme Court Act 1981).</Addition>
</Text>
</Para>
</ListItem>
</UnorderedList>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/3" id="section-146-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
A solicitor within the meaning of the
<CommentaryRef Ref="c2432601"/>
Solicitors (Scotland) Act 1933 engaging in business done in or for the purposes of proceedings before a court or before an arbiter is not to be treated as doing so in the course of any ancillary credit business.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/4" id="section-146-4">
<Pnumber>
<CommentaryRef Ref="c2432581"/>
4
</Pnumber>
<P2para>
<Text>
A solicitor in Northern Ireland engaging in
<Addition ChangeId="d29p16126" CommentaryRef="c2432621">contentious business (as defined in Article 3(2) of the Solicitors (Northern Ireland) Order 1976.</Addition>
, is not to be treated as doing so in the course of any ancillary credit business.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5" id="section-146-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>For the purposes of section 145(2), introductions effected by an individual by canvassing off trade premises either debtor-creditor-supplier agreements falling within section 12(a) or regulated consumer hire agreements shall be disregarded if—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5/a" id="section-146-5-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>the introductions are not effected by him in the capacity of an employee, and</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5/b" id="section-146-5-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>he does not by any other method effect introductions falling within section 145(2).</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5A" id="section-146-5A">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">5A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">It is not credit brokerage for a person to effect the introduction of an individual desiring to obtain credit if the introduction is made—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5A/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5A/a" id="section-146-5A-a">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16155" CommentaryRef="c18860501">a</Substitution>
</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16155" CommentaryRef="c18860501">to an authorised person, within the meaning of the 2000 Act, who has permission under that Act to enter into a relevant agreement as lender or home purchase provider (as the case may be); or</Substitution>
</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5A/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5A/b" id="section-146-5A-b">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">to a qualifying broker,</Addition>
</Text>
</P3para>
</P3>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">with a view to that individual obtaining credit under </Addition>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16171" CommentaryRef="c18860521">the relevant agreement</Substitution>
</Addition>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791"> .</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5B/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5B" id="section-146-5B">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">5B</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">It is not debt-adjusting for a person to carry on an activity mentioned in paragraph (a), (b) or (c) of section 145(5) if—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5B/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5B/a" id="section-146-5B-a">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">the debt in question is due under a relevant agreement; and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5B/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5B/b" id="section-146-5B-b">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">that activity is a regulated activity for the purposes of the 2000 Act.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5C/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5C" id="section-146-5C">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">5C</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">It is not debt-counselling for a person to give advice to debtors about the liquidation of debts if—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5C/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5C/a" id="section-146-5C-a">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">the debt in question is due under a relevant agreement; and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5C/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5C/b" id="section-146-5C-b">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">giving that advice is a regulated activity for the purposes of the 2000 Act.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5D/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5D" id="section-146-5D">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">5D</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">In this section—</Addition>
</Text>
<UnorderedList Decoration="none" Class="Definition">
<ListItem>
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791"></Addition>
<Term id="term-the-2000-act">
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">the 2000 Act</Addition>
</Term>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">” means the Financial Services and Markets Act 2000;</Addition>
</Text>
</Para>
</ListItem>
<ListItem>
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531"></Substitution>
</Addition>
<Term id="term-relevant-agreement">
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531">relevant agreement</Substitution>
</Addition>
</Term>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531">” means an agreement which—</Substitution>
</Addition>
</Text>
</Para>
<OrderedList Type="alpha" Decoration="parens">
<ListItem NumberOverride="a">
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531">is secured by a land mortgage, or</Substitution>
</Addition>
</Text>
</Para>
</ListItem>
<ListItem NumberOverride="b">
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531">is or forms part of a regulated home purchase plan,</Substitution>
</Addition>
</Text>
</Para>
</ListItem>
</OrderedList>
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Substitution ChangeId="d29p16226" CommentaryRef="c18860531">but only if entering into the agreement as lender or home purchase provider (as the case may be) is a regulated activity for the purposes of the 2000 Act.</Substitution>
</Addition>
</Text>
</Para>
</ListItem>
<ListItem>
<Para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791"></Addition>
<Term id="term-qualifying-broker">
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">qualifying broker</Addition>
</Term>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">” means a person who may effect introductions of the kind mentioned in subsection (5A) without contravening the general prohibition, within the meaning of section 19 of the 2000 Act,</Addition>
</Text>
</Para>
</ListItem>
</UnorderedList>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">and references to “regulated activities”</Addition>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">
<Addition ChangeId="d29p16256" CommentaryRef="c18860541">, “regulated home purchase plan” and “home purchase provider”</Addition>
</Addition>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791"> and the definition of “qualifying broker” must be read with—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5D/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5D/a" id="section-146-5D-a">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">section 22 of the 2000 Act (regulated activities: power to specify classes of activity and categories of investment);</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5D/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5D/b" id="section-146-5D-b">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">any order for the time being in force under that section; and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/5D/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5D/c" id="section-146-5D-c">
<Pnumber>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">c</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16148" CommentaryRef="c18804791">Schedule 2 to that Act.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6" id="section-146-6">
<Pnumber>6</Pnumber>
<P2para>
<Text>
It is not debt-adjusting, debt-counselling or debt-collecting for a person to do anything in relation to a debt arising under an agreement if
<Addition ChangeId="d29p16285" CommentaryRef="c18860551">any of the following conditions is satisfied</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/6/aa/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/aa" id="section-146-6-aa">
<Pnumber>
<Substitution ChangeId="d29p16289" CommentaryRef="c18860561">aa</Substitution>
</Pnumber>
<P3para>
<Text>
<Substitution ChangeId="d29p16289" CommentaryRef="c18860561">that he is the creditor or owner under the agreement, or</Substitution>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/6/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/c" id="section-146-6-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16302" CommentaryRef="c18860571">that</Addition>
he is the supplier in relation to the agreement, or
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/6/d/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/d" id="section-146-6-d">
<Pnumber>d</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16311" CommentaryRef="c18860571">that</Addition>
he is a credit-broker who has acquired the business of the person who was the supplier in relation to the agreement, or
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/6/e/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/e" id="section-146-6-e">
<Pnumber>e</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16320" CommentaryRef="c18860571">that</Addition>
he is a person prevented by subsection (5) from being treated as a credit-broker, and the agreement was made in consequence of an introduction (whether made by him or another person) which, under subsection (5), is to be disregarded.
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/146/7/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/7" id="section-146-7">
<Pnumber>
<Addition ChangeId="d29p16324" CommentaryRef="c18860131">7</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16324" CommentaryRef="c18860131">It is not debt administration for a person to take steps to perform duties, or to exercise or enforce rights, under an agreement on behalf of the creditor or owner if any of the conditions mentioned in subsection (6)(aa) to (e) is satisfied in relation to that person.</Addition>
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
</Pblock>
<Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/crossheading/licensing/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X/crossheading/licensing" NumberOfProvisions="4" RestrictEndDate="2013-07-26" id="part-X-crossheading-licensing">
<Title> Licensing</Title>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-04-06" ConfersPower="true">
<Title> Application of Part III.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/147/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147" id="section-147">
<Pnumber>147</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/147/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/1" id="section-147-1">
<Pnumber>
<CommentaryRef Ref="c2432651"/>
1
</Pnumber>
<P2para>
<Text>
<CommentaryRef Ref="c18853621"/>
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/147/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/2" id="section-147-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
Without prejudice to the generality of section 26, regulations under that section
<CommentaryRef Ref="c18853631"/>
. . . ) may include provisions regulating the collection and dissemination of information by credit reference agencies.
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2003-04-01">
<Title> Agreement for services of unlicensed trader.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148" id="section-148">
<Pnumber>
<CommentaryRef Ref="c2432671"/>
148
</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/1" id="section-148-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>
An agreement for the services of a person carrying on an ancillary credit business (the “trader ”), if made when the trader was unlicensed, is enforceable against the other party (the “customer ”) only where the
<Substitution ChangeId="d29p16375" CommentaryRef="c4983221">
<Acronym Expansion="Office of Fair Trading">OFT</Acronym>
</Substitution>
has made an order under subsection (2) which applies to the agreement.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/2" id="section-148-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
The trader or his successor in title may apply to the
<Substitution ChangeId="d29p16385" CommentaryRef="c4983221">OFT</Substitution>
for an order that agreements within subsection (1) are to be treated as if made when the trader was licensed.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/3" id="section-148-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
Unless the
<Substitution ChangeId="d29p16395" CommentaryRef="c4983221">OFT</Substitution>
determines to make an order under subsection (2) in accordance with the application,
<Substitution ChangeId="d29p16399" CommentaryRef="c4983301">it</Substitution>
shall, before determining the application, by notice—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/3/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/3/a" id="section-148-3-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>
inform the trader, giving
<Substitution ChangeId="d29p16409" CommentaryRef="c4983331">its</Substitution>
reasons, that, as the case may be,
<Substitution ChangeId="d29p16413" CommentaryRef="c4983301">it</Substitution>
is minded to refuse the application, or to grant it in terms different from those applied for, describing them, and
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/3/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/3/b" id="section-148-3-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>
invite the trader to submit to the
<Substitution ChangeId="d29p16423" CommentaryRef="c4983221">OFT</Substitution>
representations in support of his application in accordance with section 34.
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/4" id="section-148-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>
In determining whether or not to make an order under subsection (2) in respect of any period the
<Substitution ChangeId="d29p16433" CommentaryRef="c4983221">OFT</Substitution>
shall consider, in addition to any other relevant factors,—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/4/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/4/a" id="section-148-4-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>how far, if at all, customers, under agreements made by the trader during that period were prejudiced by the trader’s conduct,</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/4/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/4/b" id="section-148-4-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>
whether or not the
<Substitution ChangeId="d29p16449" CommentaryRef="c4983221">OFT</Substitution>
would have been likely to grant a licence covering that period on an application by the trader, and
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/4/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/4/c" id="section-148-4-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>the degree of culpability for the failure to obtain a licence.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/5" id="section-148-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>
If the
<Substitution ChangeId="d29p16465" CommentaryRef="c4983221">OFT</Substitution>
thinks fit,
<Substitution ChangeId="d29p16469" CommentaryRef="c4983351">it</Substitution>
may in an order under subsection (2)—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/5/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/5/a" id="section-148-5-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>limit the order to specified agreements, or agreements of a specified description or made at a specified time;</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/5/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/5/b" id="section-148-5-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>make the order conditional on the doing of specified acts by the trader.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/6" id="section-148-6">
<Pnumber>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">6</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">
This section does not apply to an agreement made by a consumer credit
<Acronym Expansion="European Economic Area">EEA</Acronym>
firm unless at the time it was made that firm was precluded from entering into it as a result of—
</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/6/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/6/a" id="section-148-6-a">
<Pnumber>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">a consumer credit prohibition imposed under section 203 of the Financial Services and Markets Act 2000; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/148/6/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/6/b" id="section-148-6-b">
<Pnumber>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16485" CommentaryRef="c2432681">a restriction imposed on the firm under section 204 of that Act.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2003-04-01">
<Title> Regulated agreements made on introductions by unlicensed credit-broker.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149" id="section-149">
<Pnumber>
<CommentaryRef Ref="c2432701"/>
149
</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/1" id="section-149-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>A regulated agreement made by a debtor or hirer who, for the purpose of making that agreement, was introduced to the creditor or owner by an unlicensed credit-broker is enforceable against the debtor or hirer only where—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/1/a" id="section-149-1-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>
on the application of the credit-broker, the
<Substitution ChangeId="d29p16526" CommentaryRef="c4983511">OFT</Substitution>
has made an order under section 148(2) in respect of a period including the time when the introduction was made, and the order does not (whether in general terms or specifically) exclude the application of this paragraph to the regulated agreement, or
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/1/b" id="section-149-1-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>
the
<Substitution ChangeId="d29p16536" CommentaryRef="c4983511">OFT</Substitution>
has made an order under subsection (2) which applies to the agreement.
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/2" id="section-149-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
Where during any period individuals were introduced to a person carrying on a consumer credit business or consumer hire business by an unlicensed credit-broker for the purpose of making regulated agreements with the person carrying on that business, that person or his successor in title may apply to the
<Substitution ChangeId="d29p16546" CommentaryRef="c4983511">OFT</Substitution>
for an order that regulated agreements so made are to be treated as if the credit-broker had been licensed at the time of the introduction.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/3" id="section-149-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
Unless the
<Substitution ChangeId="d29p16556" CommentaryRef="c4983511">OFT</Substitution>
determines to make an order under subsection (2) in accordance with the application,
<Substitution ChangeId="d29p16560" CommentaryRef="c4983631">it</Substitution>
shall, before determining the application, by notice—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/3/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/3/a" id="section-149-3-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>
inform the applicant, giving
<Substitution ChangeId="d29p16570" CommentaryRef="c4983701">its</Substitution>
reasons, that, as the case may be,
<Substitution ChangeId="d29p16574" CommentaryRef="c4983631">it</Substitution>
is minded to refuse the application, or to grant it in terms different from those applied for, describing them, and
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/3/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/3/b" id="section-149-3-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>
invite the applicant to submit to the
<Substitution ChangeId="d29p16584" CommentaryRef="c4983511">OFT</Substitution>
representations in support of his application in accordance with section 34.
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/4" id="section-149-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>
In determining whether or not to make an order under subsection (2) the
<Substitution ChangeId="d29p16594" CommentaryRef="c4983511">OFT</Substitution>
shall consider, in addition to any other relevant factors—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/4/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/4/a" id="section-149-4-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>how far, if at all, debtors or hirers under regulated agreements to which the application relates were prejudiced by the credit-broker’s conduct, and</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/4/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/4/b" id="section-149-4-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>the degree of culpability of the applicant in facilitating the carrying on by the credit-broker of his business when unlicensed.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/5" id="section-149-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>
If the
<Substitution ChangeId="d29p16616" CommentaryRef="c4983511">OFT</Substitution>
thinks fit,
<Substitution ChangeId="d29p16620" CommentaryRef="c4983741">it</Substitution>
may in an order under subsection (2)—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/5/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/5/a" id="section-149-5-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>limit the order to specified agreements, or agreements of a specified description or made at a specified time;</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/5/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/5/b" id="section-149-5-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>make the order conditional on the doing of specified acts by the applicant.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/6" id="section-149-6">
<Pnumber>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">6</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">For the purposes of this section, “unlicensed credit-broker ” does not include a consumer credit EEA firm unless at the time the introduction was made that firm was precluded from making it as a result of—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/6/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/6/a" id="section-149-6-a">
<Pnumber>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">a consumer credit prohibition imposed under section 203 of the Financial Services and Markets Act 2000; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/149/6/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/6/b" id="section-149-6-b">
<Pnumber>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16636" CommentaryRef="c2432711">a restriction imposed on the firm under section 204 of that Act.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-04-06">
<Title> Appeals to Secretary of State against licensing decisions.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/150/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/150" id="section-150">
<Pnumber>150</Pnumber>
<P1para>
<Text>
<CommentaryRef Ref="c18853661"/>
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
</Text>
</P1para>
</P1>
</P1group>
</Pblock>
<Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/crossheading/seeking-business/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X/crossheading/seeking-business" NumberOfProvisions="5" RestrictEndDate="2013-07-26" id="part-X-crossheading-seeking-business">
<Title> Seeking business</Title>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-10-01">
<Title> Advertisements.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151" id="section-151">
<Pnumber>151</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/1" id="section-151-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>Sections 44 to 47 apply to an advertisement published for the purposes of a business of credit brokerage carried on by any person, whether it advertises the services of that person or the services of persons to whom he effects introductions, as they apply to an advertisement to which Part IV applies.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/2" id="section-151-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
Sections 44
<CommentaryRef Ref="c19906151"/>
. . . and 47 apply to an advertisement, published for the purposes of a business carried on by the advertiser, indicating that he is willing to advise on debts,
<Substitution ChangeId="d29p16693" CommentaryRef="c18853671">to</Substitution>
engage in transactions concerned with the liquidation of debts
<Addition ChangeId="d29p16697" CommentaryRef="c18853691">or to provide credit information services</Addition>
, as they apply to an advertisement to which Part IV applies.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/2A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/2A" id="section-151-2A">
<Pnumber>
<Addition ChangeId="d29p16701" CommentaryRef="c2432721">2A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16701" CommentaryRef="c2432721">An advertisement does not fall within subsection (1) or (2) in so far as it is a communication of an invitation or inducement to engage in investment activity within the meaning of section 21 of the Financial Services and Markets Act 2000, other than an exempt generic communication (as defined in section 43(3B)).</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/3" id="section-151-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
The Secretary of State may by order provide that an advertisement published for the purposes of a business of credit brokerage, debt adjusting
<Substitution ChangeId="d29p16715" CommentaryRef="c18853711">, debt-counselling or the provision of credit information services</Substitution>
shall not fall within subsection (1) or (2) if it is of a description specified in the order.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/4" id="section-151-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>
An advertisement
<Addition ChangeId="d29p16725" CommentaryRef="c18853731">(other than one for credit information services)</Addition>
does not fall within subsection (2) if it indicates that the advertiser is not willing to act in relation to consumer credit agreements and consumer hire agreements.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/151/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/5" id="section-151-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>
In subsections (1) and (3) “
<Term id="term-credit-brokerage">credit brokerage </Term>
” includes the effecting of introductions of individuals desiring to obtain credit to any person carrying on a business in the course of which he provides credit secured on land.
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-10-01">
<Title>
Application of sections 52 to 54 to credit brokerage
<Abbreviation Expansion="et cetera" xml:lang="la">etc.</Abbreviation>
</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/152/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/152" id="section-152">
<Pnumber>152</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/152/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/152/1" id="section-152-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>
Sections 52 to 54 apply to a business of credit brokerage, debt-adjusting
<Substitution ChangeId="d29p16752" CommentaryRef="c18853791">, debt-counselling or the provision of credit information services</Substitution>
as they apply to a consumer credit business.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/152/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/152/2" id="section-152-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>In their application to a business of credit brokerage, sections 52 and 53 shall apply to the giving of quotations and information about the business of any person to whom the credit-broker effects introductions as well as to the giving of quotations and information about his own business.</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26">
<Title> Definition of canvassing off trade premises (agreements for ancillary credit services).</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153" id="section-153">
<Pnumber>153</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/1" id="section-153-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>An individual (the “canvasser ”) canvasses off trade premises the services of a person carrying on an ancillary credit business if he solicits the entry of another individual (the “consumer ”) into an agreement for the provision to the consumer of those services by making oral representations to the consumer, or any other individual, during a visit by the canvasser to any place (not excluded by subsection (2)) where the consumer, or that other individual as the case may be, is, being a visit—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/1/a" id="section-153-1-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>carried out for the purpose of making such oral representations to individuals who are at that place, but</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/1/b" id="section-153-1-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>not carried out in response to a request made on a previous occasion.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/2" id="section-153-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>A place is excluded from subsection (1) if it is a place where (whether on a permanent or temporary basis)—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/2/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/2/a" id="section-153-2-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>the ancillary credit business is carried on, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/153/2/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/153/2/b" id="section-153-2-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>any business is carried on by the canvasser or the person whose employee or agent the canvasser is, or by the consumer.</Text>
</P3para>
</P3>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-10-01">
<Title> Prohibition of canvassing certain ancillary credit services off trade premises.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/154/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/154" id="section-154">
<Pnumber>154</Pnumber>
<P1para>
<Text>
It is an offence to canvass off trade premises the services of a person carrying on a business of credit-brokerage, debt-adjusting
<Substitution ChangeId="d29p16816" CommentaryRef="c18853811">, debt-counselling or the provision of credit information services</Substitution>
.
</Text>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2004-10-31">
<Title> Right to recover brokerage fees.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155" id="section-155">
<Pnumber>155</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/1" id="section-155-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16833" CommentaryRef="c18804821">Subject to subsection (2A),</Addition>
the excess over
<Addition ChangeId="d29p16837" CommentaryRef="c2432741">£5</Addition>
of a fee or commission for his services charged by a credit-broker to an individual to whom this subsection applies shall cease to be payable or, as the case may be, shall be recoverable by the individual if the introduction does not result in his entering into a relevant agreement within the six months following the introduction (disregarding any agreement which is cancelled under section 69(1) or becomes subject to section 69(2)).
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2" RestrictEndDate="2014-04-01" id="section-155-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>Subsection (1) applies to an individual who sought an introduction for a purpose which would have been fulfilled by his entry into—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2/a" id="section-155-2-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>a regulated agreement, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2/b" RestrictEndDate="2014-04-01" id="section-155-2-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>in the case of an individual such as is referrred to in section 145(2)(a)(ii), an agreement for credit secured on land, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2/c" RestrictEndDate="2014-04-01" id="section-155-2-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>an agreement such as is referred to in section 145(3)(b) or (c) or (4)(b).</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2A" RestrictEndDate="2014-04-01" id="section-155-2A">
<Pnumber>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">2A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">But subsection (1) does not apply where—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2A/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2A/a" RestrictEndDate="2014-04-01" id="section-155-2A-a">
<Pnumber>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">the fee or commission relates to the effecting of an introduction of a kind mentioned in section 146(5A); and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/2A/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/2A/b" id="section-155-2A-b">
<Pnumber>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p16865" CommentaryRef="c18804841">the person charging that fee or commission is an authorised person or an appointed representative, within the meaning of the Financial Services and Markets Act 2000.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/3" id="section-155-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>An agreement is a relevant agreement for the purposes of subsection (1) in relation to an individual if it is an agreement such as is referred to in subsection (2) in relation to that individual.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/155/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/155/4" id="section-155-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>In the case of an individual desiring to obtain credit under a consumer credit agreement, any sum payable or paid by him to a credit-broker otherwise than as a fee or commission for the credit-broker’s services shall for the purposes of subsection (1) be treated as such a fee or commission if it enters, or would enter, into the total charge for credit.</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
</Pblock>
<Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/crossheading/entry-into-agreements/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X/crossheading/entry-into-agreements" NumberOfProvisions="1" RestrictEndDate="2013-07-26" id="part-X-crossheading-entry-into-agreements">
<Title> Entry into agreements</Title>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2008-10-01">
<Title> Entry into agreements.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/156/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/156" id="section-156">
<Pnumber>156</Pnumber>
<P1para>
<Text>
Regulations may make provision, in relation to agreements entered into in the course of a business of credit brokerage, debt-adjusting
<Substitution ChangeId="d29p16911" CommentaryRef="c18853821">, debt-counselling or the provision of credit information services</Substitution>
, corresponding, with such modifications as the Secretary of State thinks fit, to the provision which is or may be made by or under sections 55, 60, 61, 62, 63, 65, 127, 179 or 180 in relation to agreements to which those sections apply.
</Text>
</P1para>
</P1>
</P1group>
</Pblock>
<Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/X/crossheading/credit-reference-agencies/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/X/crossheading/credit-reference-agencies" NumberOfProvisions="5" RestrictEndDate="2013-07-26" RestrictStartDate="2010-04-30" id="part-X-crossheading-credit-reference-agencies" RestrictExtent="E+W+S+N.I.">
<Title> Credit reference agencies</Title>
<P1group RestrictEndDate="2011-02-01" RestrictExtent="E+W+S+N.I.">
<Title> Duty to disclose name etc. of agency.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/157/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/157" id="section-157">
<Pnumber>157</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/157/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/157/1" id="section-157-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>A creditor, owner or negotiator, within the prescribed period after receiving a request in writing to that effect from the debtor or hirer, shall give him notice of the name and address of any credit reference agency from which the creditor, owner or negotiator has, during the antecedent negotiations, applied for information about his financial standing.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/157/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/157/2" id="section-157-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>Subsection (1) does not apply to a request received more than 28 days after the termination of the antecedent negotiations, whether on the making of the regulated agreement or otherwise.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/157/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/157/3" id="section-157-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>If the creditor, owner or negotiator fails to comply with subsection (1) he commits an offence.</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2016-01-01" RestrictExtent="E+W+S+N.I." RestrictStartDate="2007-04-06">
<Title> Duty of agency to disclose filed information.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158" id="section-158">
<Pnumber>158</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/1" id="section-158-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>A credit reference agency, within the prescribed period after receiving,—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/1/a" id="section-158-1-a">
<Pnumber>
<Substitution ChangeId="d29p17060" CommentaryRef="c18853831">a</Substitution>
</Pnumber>
<P3para>
<Text>
<Substitution ChangeId="d29p17060" CommentaryRef="c18853831">a request in writing to that effect from a consumer,</Substitution>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/1/b" id="section-158-1-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>such particulars as the agency may reasonably require to enable them to identify the file, and</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/1/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/1/c" id="section-158-1-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>
a fee of
<Addition ChangeId="d29p17080" CommentaryRef="c2432801">£2</Addition>
,
</Text>
</P3para>
</P3>
<Text>
shall give the consumer a copy of the file relating to
<Addition ChangeId="d29p17086" CommentaryRef="c2432811">it</Addition>
kept by the agency.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/2" id="section-158-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
When giving a copy of the file under subsection (1), the agency shall also give the consumer a statement in the prescribed form of
<Addition ChangeId="d29p17096" CommentaryRef="c2432821">the consumer’s</Addition>
rights under section 159.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/3" id="section-158-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
If the agency does not keep a file relating to the consumer it shall give
<Addition ChangeId="d29p17106" CommentaryRef="c2432821">the consumer</Addition>
notice of that fact, but need not return any money paid.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/4" id="section-158-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>If the agency contravenes any provision of this section it commits an offence.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/4A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/4A" id="section-158-4A">
<Pnumber>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">4A</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">In this section ‘consumer’ means—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/4A/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/4A/a" id="section-158-4A-a">
<Pnumber>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">a partnership consisting of two or three persons not all of whom are bodies corporate; or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/4A/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/4A/b" id="section-158-4A-b">
<Pnumber>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17116" CommentaryRef="c18853851">an unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/158/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/158/5" id="section-158-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>
In this Act “
<Term id="term-file">file </Term>
”, in relation to an individual, means all the information about him kept by a credit reference agency, regardless of how the information is stored, and “copy of the file ”, as respects information not in plain English, means a transcript reduced into plain English.
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P>
<Text>
<Emphasis/>
</Text>
</P>
<P>
<Text>
<Emphasis/>
</Text>
</P>
<P1group RestrictEndDate="2013-07-26" RestrictStartDate="2003-04-01" RestrictExtent="E+W+S+N.I.">
<Title> Correction of wrong information.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159" id="section-159">
<Pnumber>159</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/1" id="section-159-1">
<Pnumber>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">1</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">Any individual (the “</Addition>
<Term id="term-objector">
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">objector </Addition>
</Term>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">”) given—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/1/a" id="section-159-1-a">
<Pnumber>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">information under section 7 of the Data Protection Act 1998 by a credit reference agency, or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/1/b" id="section-159-1-b">
<Pnumber>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">information under section 158,</Addition>
</Text>
</P3para>
</P3>
<Text>
<Addition ChangeId="d29p17158" CommentaryRef="c2432961">who considers that an entry in his file is incorrect, and that if it is not corrected he is likely to be prejudiced, may give notice to the agency requiring it either to remove the entry from the file or amend it.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/2" id="section-159-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>
Within 28 days after receiving a notice under subsection (1), the agency shall by notice inform the
<Addition ChangeId="d29p17189" CommentaryRef="c2432971">objector</Addition>
that it has—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/2/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/2/a" id="section-159-2-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>removed the entry from the file, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/2/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/2/b" id="section-159-2-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>amended the entry, or</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/2/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/2/c" id="section-159-2-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>taken no action,</Text>
</P3para>
</P3>
<Text>and if the notice states that the agency has amended the entry it shall include a copy of the file so far as it comprises the amended entry.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/3" id="section-159-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
Within 28 days after receiving a notice under subsection (2), or where no such notice was given, within 28 days after the expiry of the period mentioned in subsection (2), the
<Addition ChangeId="d29p17219" CommentaryRef="c2432971">objector</Addition>
may, unless he has been informed by the agency that it has removed the entry from his file, serve a further notice on the agency requiring it to add to the file an accompanying notice of correction (not exceeding 200 words) drawn up by the
<Addition ChangeId="d29p17223" CommentaryRef="c2432971">objector</Addition>
, and include a copy of it when furnishing information included in or based on that entry.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/4" id="section-159-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>
Within 28 days after receiving a notice under subsection (3), the agency, unless it intends to apply to the
<Addition ChangeId="d29p17233" CommentaryRef="c2432971">the relevant authority</Addition>
under subsection (5), shall by notice inform the
<Addition ChangeId="d29p17237" CommentaryRef="c2432971">objector</Addition>
that it has received the notice under subsection (3) and intends to comply with it.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/5" RestrictEndDate="2014-04-01" id="section-159-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>If—</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/5/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/5/a" id="section-159-5-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>
the
<Addition ChangeId="d29p17253" CommentaryRef="c2432971">objector</Addition>
has not received a notice under subsection (4) within the time required, or
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/5/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/5/b" id="section-159-5-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>it appears to the agency that it would be improper for it to publish a notice of correction because it is incorrect, or unjustly defames any person, or is frivolous or scandalous, or is for any other reason unsuitable,</Text>
</P3para>
</P3>
<Text>
the
<Addition ChangeId="d29p17265" CommentaryRef="c2432971">objector</Addition>
or, as the case may be, the agency may, in the prescribed manner and on payment of the specified fee, apply to
<Addition ChangeId="d29p17269" CommentaryRef="c2432971">the relevant authority</Addition>
, who may make such order on the application as he thinks fit.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/6" id="section-159-6">
<Pnumber>6</Pnumber>
<P2para>
<Text>If a person to whom an order under this section is directed fails to comply with it within the period specified in the order he commits an offence.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/7/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/7" id="section-159-7">
<Pnumber>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">7</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">The </Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">
<Addition ChangeId="d29p17286" CommentaryRef="c2433061">Information Commissioner</Addition>
</Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051"> may vary or revoke any order made by him under this section.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/8/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/8" RestrictEndDate="2014-04-01" id="section-159-8">
<Pnumber>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">8</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">In this section “</Addition>
<Term id="term-the-relevant-authority">
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">the relevant authority </Addition>
</Term>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">” means—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/8/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/8/a" RestrictEndDate="2014-04-01" id="section-159-8-a">
<Pnumber>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">where the objector is a partnership or other unincorporated body of persons, the </Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">
<Substitution ChangeId="d29p17305" CommentaryRef="c4983821">OFT</Substitution>
</Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051"> , and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/159/8/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159/8/b" id="section-159-8-b">
<Pnumber>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">in any other case, the </Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">
<Addition ChangeId="d29p17315" CommentaryRef="c2433061">Information Commissioner</Addition>
</Addition>
<Addition ChangeId="d29p17279" CommentaryRef="c2433051">.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictExtent="E+W+S+N.I." RestrictStartDate="2003-04-01">
<Title> Alternative procedure for business consumers.</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160" id="section-160">
<Pnumber>160</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/1" id="section-160-1">
<Pnumber>1</Pnumber>
<P2para>
<Text>
The
<Substitution ChangeId="d29p17336" CommentaryRef="c4983851">OFT</Substitution>
, on an application made by a credit reference agency, may direct that this section shall apply to the agency if
<Substitution ChangeId="d29p17340" CommentaryRef="c4983971">it</Substitution>
is satisfied—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/1/a" id="section-160-1-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>that compliance with section 158 in the case of consumers who carry on a business would adversely affect the service provided to its customers by the agency, and</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/1/b" id="section-160-1-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>that, having regard to the methods employed by the agency and to any other relevant factors, it is probable that consumers carrying on a business would not be prejudiced by the making of the direction.</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/2" id="section-160-2">
<Pnumber>2</Pnumber>
<P2para>
<Text>Where an agency to which this section applies receives a request, particulars and a fee under section 158(1) from a consumer who carries on a business, and section 158(3) does not apply, the agency, instead of complying with section 158, may elect to deal with the matter under the following subsections.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/3" id="section-160-3">
<Pnumber>3</Pnumber>
<P2para>
<Text>
Instead of giving the consumer a copy of the file, the agency shall within the prescribed period give notice to the consumer that it is proceeding under this section, and by notice give the consumer such information included in or based on entries in the file as the
<Substitution ChangeId="d29p17368" CommentaryRef="c4983851">OFT</Substitution>
may direct, together with a statement in the prescribed form of the consumer’s rights under subsections (4) and (5).
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/4" RestrictEndDate="2014-04-01" id="section-160-4">
<Pnumber>4</Pnumber>
<P2para>
<Text>
If within 28 days after receiving the information given
<Addition ChangeId="d29p17378" CommentaryRef="c2433091">to the consumer</Addition>
under subsection (3), or such longer period as the
<Substitution ChangeId="d29p17382" CommentaryRef="c4983851">OFT</Substitution>
may allow, the consumer—
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/4/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/4/a" id="section-160-4-a">
<Pnumber>a</Pnumber>
<P3para>
<Text>
gives notice to the
<Substitution ChangeId="d29p17392" CommentaryRef="c4983851">OFT</Substitution>
that
<Addition ChangeId="d29p17396" CommentaryRef="c2433101">the consumer</Addition>
is dissatisfied with the information, and
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/4/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/4/b" id="section-160-4-b">
<Pnumber>b</Pnumber>
<P3para>
<Text>
satisfies the
<Substitution ChangeId="d29p17406" CommentaryRef="c4983851">OFT</Substitution>
that
<Addition ChangeId="d29p17410" CommentaryRef="c2433101">the consumer</Addition>
has taken such steps in relation to the agency as may be reasonable with a view to removing the cause of
<Addition ChangeId="d29p17414" CommentaryRef="c2433101">the consumer’s</Addition>
dissatisfaction, and
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/4/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/4/c" RestrictEndDate="2014-04-01" id="section-160-4-c">
<Pnumber>c</Pnumber>
<P3para>
<Text>
pays the
<Substitution ChangeId="d29p17424" CommentaryRef="c4983851">OFT</Substitution>
the specified fee,
</Text>
</P3para>
</P3>
<Text>
the
<Substitution ChangeId="d29p17430" CommentaryRef="c4983851">OFT</Substitution>
may direct the agency to give the
<Substitution ChangeId="d29p17434" CommentaryRef="c4983851">OFT</Substitution>
a copy of the file, and the
<Substitution ChangeId="d29p17438" CommentaryRef="c4983851">OFT</Substitution>
may disclose to the consumer such of the information on the file as the
<Substitution ChangeId="d29p17442" CommentaryRef="c4983851">OFT</Substitution>
thinks fit.
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/5" id="section-160-5">
<Pnumber>5</Pnumber>
<P2para>
<Text>Section 159 applies with any necessary modifications to information given to the consumer under this section as it applies to information given under section 158.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/6" id="section-160-6">
<Pnumber>6</Pnumber>
<P2para>
<Text>If an agency making an election under subsection (2) fails to comply with subsection (3) or (4) it commits an offence.</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160/7/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160/7" id="section-160-7">
<Pnumber>
<Addition ChangeId="d29p17458" CommentaryRef="c2433131">7</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17458" CommentaryRef="c2433131">In this section “</Addition>
<Term id="term-consumer">
<Addition ChangeId="d29p17458" CommentaryRef="c2433131">consumer </Addition>
</Term>
<Addition ChangeId="d29p17458" CommentaryRef="c2433131">” has the same meaning as in section 158.</Addition>
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
<P1group RestrictEndDate="2013-07-26" RestrictStartDate="2010-04-30">
<Title>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">Credit intermediaries</Addition>
</Title>
<P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A" id="section-160A">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">160A</Addition>
</Pnumber>
<P1para>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/1/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/1" id="section-160A-1">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">1</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">In this section “</Addition>
<Term id="term-credit-intermediary">
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">credit intermediary</Addition>
</Term>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">” means a person who in the course of business—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/1/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/1/a" id="section-160A-1-a">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">carries out any of the activities specified in subsection (2) for a consideration that is or includes a financial consideration, and</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/1/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/1/b" id="section-160A-1-b">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">does not do so as a creditor.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/2/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/2" id="section-160A-2">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">2</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">The activities are—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/2/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/2/a" id="section-160A-2-a">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">recommending or making available prospective regulated consumer credit agreements, other than agreements secured on land, to individuals,</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/2/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/2/b" id="section-160A-2-b">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">assisting individuals by undertaking other preparatory work in relation to such agreements, or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/2/c/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/2/c" id="section-160A-2-c">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">c</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">entering into regulated consumer credit agreements, other than agreements secured on land, with individuals on behalf of creditors.</Addition>
</Text>
</P3para>
</P3>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/3/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/3" id="section-160A-3">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">3</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">A credit intermediary must in—</Addition>
</Text>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/3/a/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/3/a" id="section-160A-3-a">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">a</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">advertising of his relating to an activity in subsection (2) which is intended for individuals not acting the course of a business, or</Addition>
</Text>
</P3para>
</P3>
<P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/3/b/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/3/b" id="section-160A-3-b">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">b</Addition>
</Pnumber>
<P3para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">documentation of his relating to an activity in subsection (2) which is intended for individuals,</Addition>
</Text>
</P3para>
</P3>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">indicate the extent to which the intermediary is acting independently and in particular whether he works exclusively with a creditor.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/4/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/4" id="section-160A-4">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">4</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">Where a credit intermediary carries on an activity specified in subsection (2) for a debtor, the intermediary must secure that any financial consideration payable to him by the debtor for the activity is disclosed to the debtor and then agreed in writing before the regulated consumer credit agreement is concluded.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/5/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/5" id="section-160A-5">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">5</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">Where a credit intermediary carries on an activity specified in subsection (2) for a debtor, the intermediary must disclose to the creditor the financial consideration for the activity payable by the debtor if the annual percentage rate of the total charge for credit prescribed under section 20 is to be ascertained by the creditor.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/6/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/6" id="section-160A-6">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">6</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">A credit intermediary who fails to comply with a requirement of this section commits an offence.</Addition>
</Text>
</P2para>
</P2>
<P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/160A/7/2010-04-30" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A/7" id="section-160A-7">
<Pnumber>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">7</Addition>
</Pnumber>
<P2para>
<Text>
<Addition ChangeId="d29p17469" CommentaryRef="c20964871">An offence under this section is to be treated for the purposes of the definition of “relevant offence” in section 38(1) and (2) of the Regulatory Enforcement and Sanctions Act 2008 as an offence contained in this Act immediately before the day on which that Act was passed.</Addition>
</Text>
</P2para>
</P2>
</P1para>
</P1>
</P1group>
</Pblock>
</Part>
</Body>
</Primary>
<Commentaries>
<Commentary id="c18821761" Type="F">
<Para>
<Text>
S. 145(1)(da) substituted (1.10.2008) for word by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02520" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(1)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02521" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02522" CitationRef="c02521" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02523" CitationRef="c02521" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18821781" Type="F">
<Para>
<Text>
S. 145(1)(db) inserted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02525" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(1)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02526" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02527" CitationRef="c02526" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02528" CitationRef="c02526" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804711" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02529" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/2" SectionRef="section-145-2">s. 145(2)</CitationSubRef>
inserted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02530" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02531" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" CitationRef="c02530" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02532" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/21/1/a" CitationRef="c02530" SectionRef="article-21-1-a" Operative="true">21(1)(a)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432481" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02533" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/3/c/4/b" SectionRef="section-145-3-c-4-b">s. 145(3)(c)(4)(b)</CitationSubRef>
substituted (1.4.1991) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1990/36" id="c02534" Year="1990" Class="UnitedKingdomPublicGeneralAct" Number="36" Title="Contracts (Applicable Law) Act 1990">Contracts (Applicable Law) Act 1990 (c. 36, SIF 30)</Citation>
,
<CitationSubRef id="c02535" URI="http://www.legislation.gov.uk/id/ukpga/1990/36/section/5" CitationRef="c02534" SectionRef="section-5">s. 5</CitationSubRef>
,
<CitationSubRef id="c02536" URI="http://www.legislation.gov.uk/id/ukpga/1990/36/schedule/4/paragraph/2" Operative="true" CitationRef="c02534" SectionRef="schedule-4-paragraph-2">Sch. 4 para. 2</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/1991/707" id="c02537" Class="UnitedKingdomStatutoryInstrument" Year="1991" Number="707">S.I. 1991/707</Citation>
,
<CitationSubRef id="c02538" URI="http://www.legislation.gov.uk/id/uksi/1991/707/article/2" Operative="true" CitationRef="c02537" SectionRef="article-2">art. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18821801" Type="F">
<Para>
<Text>
<CitationSubRef id="c02539" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/4/aa" SectionRef="section-145-4-aa">S. 145(4)(aa)</CitationSubRef>
inserted (6.4.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02540" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {5(4)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02541" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02542" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/2" CitationRef="c02541" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02543" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/2" CitationRef="c02541" SectionRef="schedule-2">Sch. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804731" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02544" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5" SectionRef="section-145-5">s. 145(5)</CitationSubRef>
substituted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02545" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02546" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" CitationRef="c02545" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02547" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/21/1/b" CitationRef="c02545" SectionRef="article-21-1-b" Operative="true">21(1)(b)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804761" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02548" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/6" SectionRef="section-145-6">s. 145(6)</CitationSubRef>
substituted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02549" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02550" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" CitationRef="c02549" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02551" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/21/1/c" CitationRef="c02549" SectionRef="article-21-1-c" Operative="true">21(1)(c)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18821721" Type="F">
<Para>
<Text>
<CitationSubRef id="c02552" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7A" SectionRef="section-145-7A">S. 145(7A)</CitationSubRef>
inserted (16.6.2006) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02553" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(2)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/1508" id="c02554" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="1508">S.I. 2006/1508</Citation>
,
<CitationSubRef id="c02555" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/article/3/1" CitationRef="c02554" SectionRef="article-3-1" Operative="true">art. 3(1)</CitationSubRef>
,
<CitationSubRef id="c02556" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/schedule/1" CitationRef="c02554" SectionRef="schedule-1">Sch. 1</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18821741" Type="F">
<Para>
<Text>
<CitationSubRef id="c02557" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7B" UpTo="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/7D" Type="group" StartSectionRef="section-145-7B" EndSectionRef="section-145-7D">S. 145(7B)-(7D)</CitationSubRef>
inserted (16.6.2006) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02558" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(2)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/1508" id="c02559" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="1508">S.I. 2006/1508</Citation>
,
<CitationSubRef id="c02560" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/article/3/1" CitationRef="c02559" SectionRef="article-3-1" Operative="true">art. 3(1)</CitationSubRef>
,
<CitationSubRef id="c02561" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/schedule/1" CitationRef="c02559" SectionRef="schedule-1">Sch. 1</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432581" Type="C">
<Para>
<Text>
<CitationSubRef id="c02562" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2/4" SectionRef="section-146-2-4">S. 146(2)(4)</CitationSubRef>
amended (1.1.1992) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1991/2684" id="c02563" Class="UnitedKingdomStatutoryInstrument" Year="1991" Number="2684">S.I. 1991/2684</Citation>
,
<CitationSubRef id="c02564" URI="http://www.legislation.gov.uk/id/uksi/1991/2684/article/2" CitationRef="c02563" SectionRef="article-2">arts. 2</CitationSubRef>
,
<CitationSubRef id="c02565" URI="http://www.legislation.gov.uk/id/uksi/1991/2684/article/4" CitationRef="c02563" SectionRef="article-4">4</CitationSubRef>
,
<CitationSubRef id="c02566" URI="http://www.legislation.gov.uk/id/uksi/1991/2684/schedule/1" Operative="true" CitationRef="c02563" SectionRef="schedule-1">Sch. 1</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432591" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02567" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2" SectionRef="section-146-2">s. 146(2)</CitationSubRef>
substituted (31.1.1997 subject to transitional provisions) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1996/23" id="c02568" Year="1996" Class="UnitedKingdomPublicGeneralAct" Number="23">1996 c. 23</Citation>
,
<CitationSubRef id="c02569" URI="http://www.legislation.gov.uk/id/ukpga/1996/23/section/107/1" CitationRef="c02568" SectionRef="section-107-1">s. 107(1)</CitationSubRef>
,
<CitationSubRef id="c02570" URI="http://www.legislation.gov.uk/id/ukpga/1996/23/schedule/3/paragraph/28/2" Operative="true" CitationRef="c02568" SectionRef="schedule-3-paragraph-28-2">Sch. 3 para. 28(2)</CitationSubRef>
(with
<CitationSubRef id="c02571" URI="http://www.legislation.gov.uk/id/ukpga/1996/23/section/81/2" CitationRef="c02568" SectionRef="section-81-2">s. 81(2)</CitationSubRef>
);
<Citation URI="http://www.legislation.gov.uk/id/uksi/1996/3146" id="c02572" Class="UnitedKingdomStatutoryInstrument" Year="1996" Number="3146">S.I. 1996/3146</Citation>
,
<CitationSubRef id="c02573" URI="http://www.legislation.gov.uk/id/uksi/1996/3146/article/3" Operative="true" CitationRef="c02572" SectionRef="article-3">art. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c19686891" Type="F">
<Para>
<Text>
<CitationSubRef id="c02574" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/2A/2B" SectionRef="section-146-2A-2B">S. 146(2A)(2B)</CitationSubRef>
inserted (1.1.2010) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2007/29" id="c02575" Year="2007" Class="UnitedKingdomPublicGeneralAct" Number="29" Title="Legal Services Act 2007">Legal Services Act 2007 (c. 29)</Citation>
,
<CitationSubRef id="c02576" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/section/208" CitationRef="c02575" SectionRef="section-208">ss. 208</CitationSubRef>
,
<CitationSubRef id="c02577" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/section/211" CitationRef="c02575" SectionRef="section-211">211</CitationSubRef>
,
<CitationSubRef id="c02578" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/schedule/21/paragraph/31" CitationRef="c02575" SectionRef="schedule-21-paragraph-31" Operative="true">Sch. 21 para. 31</CitationSubRef>
(with
<CitationSubRef id="c02579" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/section/29" CitationRef="c02575" SectionRef="section-29">ss. 29</CitationSubRef>
,
<CitationSubRef id="c02580" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/section/192" CitationRef="c02575" SectionRef="section-192">192</CitationSubRef>
,
<CitationSubRef id="c02581" URI="http://www.legislation.gov.uk/id/ukpga/2007/29/section/193" CitationRef="c02575" SectionRef="section-193">193</CitationSubRef>
);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2009/3250" id="c02582" Class="UnitedKingdomStatutoryInstrument" Year="2009" Number="3250">S.I. 2009/3250</Citation>
,
<CitationSubRef id="c02583" URI="http://www.legislation.gov.uk/id/uksi/2009/3250/article/2/h" CitationRef="c02582" SectionRef="article-2-h" Operative="true">art. 2(h)</CitationSubRef>
(with
<CitationSubRef id="c02584" URI="http://www.legislation.gov.uk/id/uksi/2009/3250/article/9" CitationRef="c02582" SectionRef="article-9">art. 9</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432601" Type="M">
<Para>
<Text>
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1933/21" id="c02585" Year="1933" Class="UnitedKingdomPublicGeneralAct" Number="21">1933 c. 21</Citation>
.
</Text>
</Para>
</Commentary>
<Commentary id="c2432621" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02586" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/4" SectionRef="section-146-4">s. 146(4)</CitationSubRef>
substituted (31.1.1997 subject to transitional provisions) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1996/23" id="c02587" Year="1996" Class="UnitedKingdomPublicGeneralAct" Number="23">1996 c. 23</Citation>
,
<CitationSubRef id="c02588" URI="http://www.legislation.gov.uk/id/ukpga/1996/23/section/107/1" CitationRef="c02587" SectionRef="section-107-1">s. 107(1)</CitationSubRef>
,
<CitationSubRef id="c02589" URI="http://www.legislation.gov.uk/id/ukpga/1996/23/schedule/3" Operative="true" CitationRef="c02587" SectionRef="schedule-3">Sch. 3</CitationSubRef>
para, 28(3) (with s. 81(2));
<Citation URI="http://www.legislation.gov.uk/id/uksi/1996/3146" id="c02590" Class="UnitedKingdomStatutoryInstrument" Year="1996" Number="3146">S.I. 1996/3146</Citation>
,
<CitationSubRef id="c02591" URI="http://www.legislation.gov.uk/id/uksi/1996/3146/article/3" Operative="true" CitationRef="c02590" SectionRef="article-3">art. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804791" Type="F">
<Para>
<Text>
<CitationSubRef id="c02592" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5A" UpTo="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/5D" Type="group" StartSectionRef="section-146-5A" EndSectionRef="section-146-5D">S. 146(5A)-(5D)</CitationSubRef>
inserted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02593" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02594" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" CitationRef="c02593" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02595" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/21/2" CitationRef="c02593" SectionRef="article-21-2" Operative="true">21(2)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860501" Type="F">
<Para>
<Text>
<CitationSubRef id="c02596" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5A/a" SectionRef="section-145-5A-a">S. 145(5A)(a)</CitationSubRef>
substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/2383" id="c02597" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="2383" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383)</Citation>
,
<CitationSubRef id="c02598" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/1/2" CitationRef="c02597" SectionRef="article-1-2">arts. 1(2)</CitationSubRef>
,
<CitationSubRef id="c02599" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/25/4/a/i" CitationRef="c02597" SectionRef="article-25-4-a-i" Operative="true">25(4)(a)(i)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860521" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02600" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5A" SectionRef="section-145-5A">s. 145(5A)</CitationSubRef>
substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/2383" id="c02601" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="2383" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383)</Citation>
,
<CitationSubRef id="c02602" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/1/2" CitationRef="c02601" SectionRef="article-1-2">arts. 1(2)</CitationSubRef>
,
<CitationSubRef id="c02603" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/25/4/a/ii" CitationRef="c02601" SectionRef="article-25-4-a-ii" Operative="true">25(4)(a)(ii)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860531" Type="F">
<Para>
<Text>
<CitationSubRef id="c02604" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5D" SectionRef="section-145-5D">S. 145(5D)</CitationSubRef>
: definition of "relevant agreement" substituted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/2383" id="c02605" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="2383" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383)</Citation>
,
<CitationSubRef id="c02606" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/1/2" CitationRef="c02605" SectionRef="article-1-2">arts. 1(2)</CitationSubRef>
,
<CitationSubRef id="c02607" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/25/4/b/i" CitationRef="c02605" SectionRef="article-25-4-b-i" Operative="true">25(4)(b)(i)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860541" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02608" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/145/5D" SectionRef="section-145-5D">s. 145(5D)</CitationSubRef>
inserted (6.11.2006 for certain purposes and 6.4.2007 otherwise) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/2383" id="c02609" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="2383" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2006 (S.I. 2006/2383)</Citation>
,
<CitationSubRef id="c02610" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/1/2" CitationRef="c02609" SectionRef="article-1-2">arts. 1(2)</CitationSubRef>
,
<CitationSubRef id="c02611" URI="http://www.legislation.gov.uk/id/uksi/2006/2383/article/25/4/b/ii" CitationRef="c02609" SectionRef="article-25-4-b-ii" Operative="true">25(4)(b)(ii)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860551" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02612" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6" SectionRef="section-146-6">s. 146(6)</CitationSubRef>
inserted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02613" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(3)(a)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02614" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02615" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02614" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02616" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02614" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860561" Type="F">
<Para>
<Text>
<CitationSubRef id="c02617" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/aa" SectionRef="section-146-6-aa">S. 146(6)(aa)</CitationSubRef>
substituted (1.10.2008) for s. 146(6)(a)(b) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02618" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(3)(b)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02619" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02620" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02619" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02621" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02619" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860571" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02622" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/c" UpTo="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/6/e" Type="group" StartSectionRef="section-146-6-c" EndSectionRef="section-146-6-e">s. 146(6)(c)-(e)</CitationSubRef>
inserted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02623" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(3)(c)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02624" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02625" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02624" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02626" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02624" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18860131" Type="F">
<Para>
<Text>
<CitationSubRef id="c02627" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/146/7" SectionRef="section-146-7">S. 146(7)</CitationSubRef>
inserted (16.6.2006) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02628" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {24(4)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2006/1508" id="c02629" Class="UnitedKingdomStatutoryInstrument" Year="2006" Number="1508">S.I. 2006/1508</Citation>
,
<CitationSubRef id="c02630" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/article/3/1" CitationRef="c02629" SectionRef="article-3-1" Operative="true">art. 3(1)</CitationSubRef>
,
<CitationSubRef id="c02631" URI="http://www.legislation.gov.uk/id/uksi/2006/1508/schedule/1" CitationRef="c02629" SectionRef="schedule-1">Sch. 1</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432651" Type="C">
<Para>
<Text>
<CitationSubRef id="c02632" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/1" SectionRef="section-147-1">S. 147(1)</CitationSubRef>
restricted (1.1.1993) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1992/3218" id="c02633" Class="UnitedKingdomStatutoryInstrument" Year="1992" Number="3218">S.I. 1992/3218</Citation>
,
<CitationSubRef id="c02634" URI="http://www.legislation.gov.uk/id/uksi/1992/3218/regulation/5/1/c" Operative="true" CitationRef="c02633" SectionRef="regulation-5-1-c">reg. 5(1)(c)</CitationSubRef>
</Text>
</Para>
<Para>
<Text>
<CitationSubRef id="c02635" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/1" SectionRef="section-147-1">S. 147(1)</CitationSubRef>
excluded (1.1.1996) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1995/3275" id="c02636" Class="UnitedKingdomStatutoryInstrument" Year="1995" Number="3275">S.I. 1995/3275</Citation>
,
<CitationSubRef id="c02637" URI="http://www.legislation.gov.uk/id/uksi/1995/3275/regulation/5/1/b" Operative="true" CitationRef="c02636" SectionRef="regulation-5-1-b">reg. 5(1)(b)</CitationSubRef>
</Text>
</Para>
<Para>
<Text>
<CitationSubRef id="c02638" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/1" SectionRef="section-147-1">S. 147(1)</CitationSubRef>
excluded (1.12.2001) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2000/8" id="c02639" Year="2000" Class="UnitedKingdomPublicGeneralAct" Number="8">2000 c. 8</Citation>
,
<CitationSubRef id="c02640" URI="http://www.legislation.gov.uk/id/ukpga/2000/8/section/31/1/b" CitationRef="c02639" SectionRef="section-31-1-b">ss. 31(1)(b)</CitationSubRef>
,
<CitationSubRef id="c02641" URI="http://www.legislation.gov.uk/id/ukpga/2000/8/section/37" CitationRef="c02639" SectionRef="section-37">37</CitationSubRef>
,
<CitationSubRef id="c02642" URI="http://www.legislation.gov.uk/id/ukpga/2000/8/schedule/3/part/II/paragraph/15/3" Operative="true" CitationRef="c02639" SectionRef="schedule-3-part-II-paragraph-15-3">Sch. 3 Pt. II para. 15(3)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2001/3538" id="c02643" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="3538">S.I. 2001/3538</Citation>
,
<CitationSubRef id="c02644" URI="http://www.legislation.gov.uk/id/uksi/2001/3538/article/2/1" Operative="true" CitationRef="c02643" SectionRef="article-2-1">art. 2(1)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853621" Type="F">
<Para>
<Text>
<CitationSubRef id="c02645" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/1" SectionRef="section-147-1">S. 147(1)</CitationSubRef>
repealed (6.4.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02646" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
,
<CitationSubRef id="c02647" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/70" CitationRef="c02646" SectionRef="section-70">ss. 70</CitationSubRef>
,
<CitationSubRef id="c02648" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/71/2" CitationRef="c02646" SectionRef="section-71-2">71(2)</CitationSubRef>
,
<CitationSubRef id="c02649" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/schedule/4" CitationRef="c02646" SectionRef="schedule-4" Operative="true">Sch. 4</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02650" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02651" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/2" CitationRef="c02650" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02652" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/2" CitationRef="c02650" SectionRef="schedule-2">Sch. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853631" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02653" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/147/2" SectionRef="section-147-2">s. 147(2)</CitationSubRef>
repealed (6.4.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02654" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
,
<CitationSubRef id="c02655" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/70" CitationRef="c02654" SectionRef="section-70">ss. 70</CitationSubRef>
,
<CitationSubRef id="c02656" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/71/2" CitationRef="c02654" SectionRef="section-71-2">71(2)</CitationSubRef>
,
<CitationSubRef id="c02657" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/schedule/4" CitationRef="c02654" SectionRef="schedule-4" Operative="true">Sch. 4</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02658" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02659" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/2" CitationRef="c02658" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02660" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/2" CitationRef="c02658" SectionRef="schedule-2">Sch. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432671" Type="C">
<Para>
<Text>
<CitationSubRef id="c02661" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148" SectionRef="section-148">S. 148</CitationSubRef>
restricted (1.1.1998) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1992/3218" id="c02662" Class="UnitedKingdomStatutoryInstrument" Year="1992" Number="3218">S.I. 1992/3218</Citation>
,
<CitationSubRef id="c02663" URI="http://www.legislation.gov.uk/id/uksi/1992/3218/regulation/61/2" Operative="true" CitationRef="c02662" SectionRef="regulation-61-2">reg. 61(2)</CitationSubRef>
</Text>
</Para>
<Para>
<Text>
<CitationSubRef id="c02664" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148" SectionRef="section-148">S. 148</CitationSubRef>
modified (1.1.1996) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1995/3275" id="c02665" Class="UnitedKingdomStatutoryInstrument" Year="1995" Number="3275">S.I. 1995/3275</Citation>
,
<CitationSubRef id="c02666" URI="http://www.legislation.gov.uk/id/uksi/1995/3275/regulation/38/2" Operative="true" CitationRef="c02665" SectionRef="regulation-38-2">reg. 38(2)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c4983221" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02667" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148" SectionRef="section-148">s. 148</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02668" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02669" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02668" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02670" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02668" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02671" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/28/a" CitationRef="c02668" SectionRef="schedule-25-paragraph-6-28-a" Operative="true">Sch. 25 para. 6(28)(a)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02672" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02673" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02672" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02674" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02672" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02675" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02672" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983301" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02676" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/3" SectionRef="section-148-3">s. 148(3)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02677" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02678" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02677" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02679" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02677" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02680" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/28/b/i" CitationRef="c02677" SectionRef="schedule-25-paragraph-6-28-b-i" Operative="true">Sch. 25 para. 6(28)(b)(i)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02681" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02682" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02681" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02683" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02681" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02684" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02681" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983331" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02685" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/3/a" SectionRef="section-148-3-a">s. 148(3)(a)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02686" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02687" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02686" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02688" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02686" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02689" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/28/b/ii" CitationRef="c02686" SectionRef="schedule-25-paragraph-6-28-b-ii" Operative="true">Sch. 25 para. 6(28)(b)(ii)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02690" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02691" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02690" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02692" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02690" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02693" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02690" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983351" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02694" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/5" SectionRef="section-148-5">s. 148(5)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02695" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02696" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02695" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02697" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02695" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02698" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/28/c" CitationRef="c02695" SectionRef="schedule-25-paragraph-6-28-c" Operative="true">Sch. 25 para. 6(28)(c)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02699" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02700" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02699" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02701" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02699" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02702" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02699" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432681" Type="F">
<Para>
<Text>
<CitationSubRef id="c02703" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/148/6" SectionRef="section-148-6">S. 148(6)</CitationSubRef>
inserted (1.12.2001) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2001/3649" id="c02704" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="3649">S.I. 2001/3649</Citation>
,
<CitationSubRef id="c02705" URI="http://www.legislation.gov.uk/id/uksi/2001/3649/article/173" Operative="true" CitationRef="c02704" SectionRef="article-173">art. 173</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432701" Type="C">
<Para>
<Text>
<CitationSubRef id="c02706" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149" SectionRef="section-149">S. 149</CitationSubRef>
restricted (1.1.1993) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1992/3218" id="c02707" Class="UnitedKingdomStatutoryInstrument" Year="1992" Number="3218">S.I. 1992/3218</Citation>
,
<CitationSubRef id="c02708" URI="http://www.legislation.gov.uk/id/uksi/1992/3218/regulation/61/3" Operative="true" CitationRef="c02707" SectionRef="regulation-61-3">reg. 61(3)</CitationSubRef>
</Text>
</Para>
<Para>
<Text>
<CitationSubRef id="c02709" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149" SectionRef="section-149">S. 149</CitationSubRef>
modified (1.1.1996) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1995/3275" id="c02710" Class="UnitedKingdomStatutoryInstrument" Year="1995" Number="3275">S.I. 1995/3275</Citation>
,
<CitationSubRef id="c02711" URI="http://www.legislation.gov.uk/id/uksi/1995/3275/regulation/38/3" Operative="true" CitationRef="c02710" SectionRef="regulation-38-3">reg. 38(3)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c4983511" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02712" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149" SectionRef="section-149">s. 149</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02713" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02714" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02713" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02715" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02713" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02716" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/29/a" CitationRef="c02713" SectionRef="schedule-25-paragraph-6-29-a" Operative="true">Sch. 25 para. 6(29)(a)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02717" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02718" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02717" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02719" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02717" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02720" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02717" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983631" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02721" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/3" SectionRef="section-149-3">s. 149(3)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02722" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02723" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02722" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02724" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02722" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02725" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/29/b/i" CitationRef="c02722" SectionRef="schedule-25-paragraph-6-29-b-i" Operative="true">Sch. 25 para. 6(29)(b)(i)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02726" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02727" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02726" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02728" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02726" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02729" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02726" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983701" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02730" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/3/a" SectionRef="section-149-3-a">s. 149(3)(a)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02731" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02732" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02731" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02733" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02731" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02734" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/29/b/ii" CitationRef="c02731" SectionRef="schedule-25-paragraph-6-29-b-ii" Operative="true">Sch. 25 para. 6(29)(b)(ii)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02735" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02736" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02735" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02737" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02735" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02738" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02735" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983741" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02739" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/5" SectionRef="section-149-5">s. 149(5)</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02740" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02741" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02740" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02742" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02740" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02743" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/29/c" CitationRef="c02740" SectionRef="schedule-25-paragraph-6-29-c" Operative="true">Sch. 25 para. 6(29)(c)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02744" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02745" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02744" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02746" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02744" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02747" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02744" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432711" Type="F">
<Para>
<Text>
<CitationSubRef id="c02748" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/149/6" SectionRef="section-149-6">S. 149(6)</CitationSubRef>
inserted (1.12.2001) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2001/3649" id="c02749" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="3649">S.I. 2001/3649</Citation>
,
<CitationSubRef id="c02750" URI="http://www.legislation.gov.uk/id/uksi/2001/3649/article/174" Operative="true" CitationRef="c02749" SectionRef="article-174">art. 174</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853661" Type="F">
<Para>
<Text>
<CitationSubRef id="c02751" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/150" SectionRef="section-150">S. 150</CitationSubRef>
repealed (6.4.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02752" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
,
<CitationSubRef id="c02753" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/70" CitationRef="c02752" SectionRef="section-70">ss. 70</CitationSubRef>
,
<CitationSubRef id="c02754" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/section/71/2" CitationRef="c02752" SectionRef="section-71-2">71(2)</CitationSubRef>
,
<CitationSubRef id="c02755" URI="http://www.legislation.gov.uk/id/ukpga/2006/14/schedule/4" CitationRef="c02752" SectionRef="schedule-4" Operative="true">Sch. 4</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02756" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02757" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/2" CitationRef="c02756" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02758" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/2" CitationRef="c02756" SectionRef="schedule-2">Sch. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c19906151" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02759" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151" SectionRef="section-151">s. 151</CitationSubRef>
repealed (26.5.2008) by The Consumer Protection from
<Citation URI="http://www.legislation.gov.uk/id/uksi/2008/1277" id="c02760" Class="UnitedKingdomStatutoryInstrument" Year="2008" Number="1277" Title="Unfair Trading Regulations 2008">Unfair Trading Regulations 2008 (S.I. 2008/1277)</Citation>
,
<CitationSubRef id="c02761" URI="http://www.legislation.gov.uk/id/uksi/2008/1277/regulation/30/3" CitationRef="c02760" SectionRef="regulation-30-3">regs. 30(3)</CitationSubRef>
,
<CitationSubRef id="c02762" URI="http://www.legislation.gov.uk/id/uksi/2008/1277/schedule/4/part/1" CitationRef="c02760" SectionRef="schedule-4-part-1" Operative="true">Sch. 4 Pt. 1</CitationSubRef>
(with savings in
<CitationSubRef id="c02763" URI="http://www.legislation.gov.uk/id/uksi/2008/1277/regulation/28/2/3" CitationRef="c02760" SectionRef="regulation-28-2-3">reg. 28(2)(3)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c18853671" Type="F">
<Para>
<Text>
Word in
<CitationSubRef id="c02764" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/2" SectionRef="section-151-2">s. 151(2)</CitationSubRef>
substituted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02765" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(3)(a)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02766" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02767" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02766" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02768" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02766" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853691" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02769" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/2" SectionRef="section-151-2">s. 151(2)</CitationSubRef>
inserted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02770" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(3)(a)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02771" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02772" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02771" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02773" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02771" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432721" Type="F">
<Para>
<Text>
<CitationSubRef id="c02774" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/2A" SectionRef="section-151-2A">S. 151(2A)</CitationSubRef>
inserted (1.9.2002) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2001/544" id="c02775" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="544">S.I. 2001/544</Citation>
,
<CitationSubRef id="c02776" URI="http://www.legislation.gov.uk/id/uksi/2001/544/article/2" Operative="true" CitationRef="c02775" SectionRef="article-2">arts. 2</CitationSubRef>
,
<CitationSubRef id="c02777" URI="http://www.legislation.gov.uk/id/uksi/2001/544/article/90/7" CitationRef="c02775" SectionRef="article-90-7">90(7)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2001/3538" id="c02778" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="3538">S.I. 2001/3538</Citation>
,
<CitationSubRef id="c02779" URI="http://www.legislation.gov.uk/id/uksi/2001/3538/article/2" Operative="true" CitationRef="c02778" SectionRef="article-2">art. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853711" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02780" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/3" SectionRef="section-151-3">s. 151(3)</CitationSubRef>
substituted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02781" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(3)(b)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02782" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02783" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02782" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02784" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02782" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853731" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02785" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/151/4" SectionRef="section-151-4">s. 151(4)</CitationSubRef>
inserted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02786" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(3)(c)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02787" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02788" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02787" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02789" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02787" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853791" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02790" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/152/1" SectionRef="section-152-1">s. 152(1)</CitationSubRef>
substituted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02791" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(4)(a)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02792" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02793" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02792" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02794" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02792" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853811" Type="F">
<Para>
<Text>
Words in s. 154 substituted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02796" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(4)(b)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02797" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02798" CitationRef="c02797" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02799" CitationRef="c02797" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804821" Type="F">
<Para>
<Text>
Words in s. 155(1) inserted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02801" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02802" CitationRef="c02801" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02803" CitationRef="c02801" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/22/2" SectionRef="article-22-2" Operative="true">22(2)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432741" Type="F">
<Para>
<Text>
"£5" substituted (1.5.1998) in s. 155(1) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1998/997" id="c02804" Class="UnitedKingdomStatutoryInstrument" Year="1998" Number="997">S.I. 1998/997</Citation>
,
<CitationSubRef id="c02805" CitationRef="c02804" URI="http://www.legislation.gov.uk/id/uksi/1998/997/article/3" SectionRef="article-3">art. 3</CitationSubRef>
,
<CitationSubRef id="c02806" CitationRef="c02804" URI="http://www.legislation.gov.uk/id/uksi/1998/997/schedule" Operative="true" SectionRef="schedule">Sch.</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18804841" Type="F">
<Para>
<Text>
S. 155(2A) inserted (31.10.2004) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/1475" id="c02808" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="1475" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475)</Citation>
,
<CitationSubRef id="c02809" CitationRef="c02808" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/1/3" SectionRef="article-1-3">arts. 1(3)</CitationSubRef>
,
<CitationSubRef id="c02810" CitationRef="c02808" URI="http://www.legislation.gov.uk/id/uksi/2003/1475/article/22/3" SectionRef="article-22-3" Operative="true">22(3)</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853821" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02811" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/156" SectionRef="section-156">s. 156</CitationSubRef>
substituted (1.10.2008) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02812" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {25(4)(c)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/3300" id="c02813" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="3300">S.I. 2007/3300</Citation>
,
<CitationSubRef id="c02814" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/article/3/3" CitationRef="c02813" SectionRef="article-3-3" Operative="true">art. 3(3)</CitationSubRef>
,
<CitationSubRef id="c02815" URI="http://www.legislation.gov.uk/id/uksi/2007/3300/schedule/3" CitationRef="c02813" SectionRef="schedule-3">Sch. 3</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853831" Type="F">
<Para>
<Text>
S. 158(1)(a) substituted (6.4.2007) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02847" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {5(5)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/123" id="c02848" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="123">S.I. 2007/123</Citation>
,
<CitationSubRef id="c02849" CitationRef="c02848" URI="http://www.legislation.gov.uk/id/uksi/2007/123/article/3/2" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02850" CitationRef="c02848" URI="http://www.legislation.gov.uk/id/uksi/2007/123/schedule/2" SectionRef="schedule-2">Sch. 2</CitationSubRef>
(as amended by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/387" id="c02851" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="387">S.I. 2007/387</Citation>
,
<CitationSubRef id="c02852" CitationRef="c02851" URI="http://www.legislation.gov.uk/id/uksi/2007/387/article/2/3/a" SectionRef="article-2-3-a">art. 2(3)(a)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432801" Type="F">
<Para>
<Text>
"£2" substituted (1.5.1998) in s. 158(1) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/1998/997" id="c02853" Class="UnitedKingdomStatutoryInstrument" Year="1998" Number="997">S.I. 1998/997</Citation>
,
<CitationSubRef id="c02854" CitationRef="c02853" URI="http://www.legislation.gov.uk/id/uksi/1998/997/article/3" SectionRef="article-3">art. 3</CitationSubRef>
,
<CitationSubRef id="c02855" CitationRef="c02853" URI="http://www.legislation.gov.uk/id/uksi/1998/997/schedule" Operative="true" SectionRef="schedule">Sch.</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432811" Type="F">
<Para>
<Text>
Word in s. 158(1) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02857" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02858" CitationRef="c02857" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/1/a/ii" Operative="true" SectionRef="section-62-1-a-ii">s. 62(1)(a)(ii)</CitationSubRef>
(with
<CitationSubRef id="c02859" CitationRef="c02857" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/schedule/14/paragraph/20" SectionRef="schedule-14-paragraph-20">Sch. 14 para. 20</CitationSubRef>
);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02860" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02861" CitationRef="c02860" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c2432821" Type="F">
<Para>
<Text>
Words in s. 158(2)(3) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02863" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02864" CitationRef="c02863" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/1/b/c" Operative="true" SectionRef="section-62-1-b-c">ss. 62(1)(b)(c)</CitationSubRef>
(with
<CitationSubRef id="c02865" CitationRef="c02863" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/schedule/14/paragraph/20" SectionRef="schedule-14-paragraph-20">Sch. 14 para. 20</CitationSubRef>
);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02866" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02867" CitationRef="c02866" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
</Text>
</Para>
</Commentary>
<Commentary id="c18853851" Type="F">
<Para>
<Text>
S. 158(4A) inserted (6.4.2007) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02869" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>
, ss. {5(6)}, 71(2);
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/123" id="c02870" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="123">S.I. 2007/123</Citation>
,
<CitationSubRef id="c02871" CitationRef="c02870" URI="http://www.legislation.gov.uk/id/uksi/2007/123/article/3/2" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>
,
<CitationSubRef id="c02872" CitationRef="c02870" URI="http://www.legislation.gov.uk/id/uksi/2007/123/schedule/2" SectionRef="schedule-2">Sch. 2</CitationSubRef>
(as amended by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2007/387" id="c02873" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="387">S.I. 2007/387</Citation>
,
<CitationSubRef id="c02874" CitationRef="c02873" URI="http://www.legislation.gov.uk/id/uksi/2007/387/article/2/3/a" SectionRef="article-2-3-a">art. 2(3)(a)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432961" Type="F">
<Para>
<Text>
S. 159(1) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02876" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02877" CitationRef="c02876" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/2" Operative="true" SectionRef="section-62-2">s.62(2)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02878" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02879" CitationRef="c02878" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02880" CitationRef="c02878" URI="http://www.legislation.gov.uk/id/uksi/2000/183/section/159" SectionRef="section-159">ss. 159</CitationSubRef>
,
<CitationSubRef id="c02881" CitationRef="c02878" URI="http://www.legislation.gov.uk/id/uksi/2000/183/section/160" SectionRef="section-160">160</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2432971" Type="F">
<Para>
<Text>
Words in s. 159(2)-(6) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02883" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02884" CitationRef="c02883" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/3/a/b" Operative="true" SectionRef="section-62-3-a-b">s. 62(3)(a)(b)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02885" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02886" CitationRef="c02885" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02887" CitationRef="c02885" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2/2" SectionRef="article-2-2">art. 2(2)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2433051" Type="F">
<Para>
<Text>
S. 159(7)(8) inserted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02889" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02890" CitationRef="c02889" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/4" Operative="true" SectionRef="section-62-4">s. 62(4)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02891" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02892" CitationRef="c02891" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02893" CitationRef="c02891" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2/2" SectionRef="article-2-2">art. 2(2)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2433061" Type="F">
<Para>
<Text>
Words in s. 159(7)(8)(b) substituted (30.1.2001) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2000/36" id="c02895" Year="2000" Class="UnitedKingdomPublicGeneralAct" Number="36">2000 c. 36</Citation>
,
<CitationSubRef id="c02896" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/section/18/4" SectionRef="section-18-4">ss. 18(4)</CitationSubRef>
,
<CitationSubRef id="c02897" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/section/87/2" SectionRef="section-87-2">87(2)</CitationSubRef>
,
<CitationSubRef id="c02898" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/schedule/2/part/I/paragraph/7" Operative="true" SectionRef="schedule-2-part-I-paragraph-7">Sch. 2 Pt. I para. 7</CitationSubRef>
(with
<CitationSubRef id="c02899" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/section/7/1/7" SectionRef="section-7-1-7">ss. 7(1)(7)</CitationSubRef>
,
<CitationSubRef id="c02900" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/section/56" SectionRef="section-56">56</CitationSubRef>
,
<CitationSubRef id="c02901" CitationRef="c02895" URI="http://www.legislation.gov.uk/id/ukpga/2000/36/section/78" SectionRef="section-78">78</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983821" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02902" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/159" SectionRef="section-159">s. 159</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02903" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02904" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02903" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02905" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02903" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02906" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/30" CitationRef="c02903" SectionRef="schedule-25-paragraph-6-30" Operative="true">Sch. 25 para. 6(30)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02907" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02908" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02907" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02909" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02907" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02910" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02907" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983851" Type="F">
<Para>
<Text>
Words in
<CitationSubRef id="c02911" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160" SectionRef="section-160">s. 160</CitationSubRef>
substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02912" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02913" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" CitationRef="c02912" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02914" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" CitationRef="c02912" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02915" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/31/a" CitationRef="c02912" SectionRef="schedule-25-paragraph-6-31-a" Operative="true">Sch. 25 para. 6(31)(a)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02916" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02917" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" CitationRef="c02916" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02918" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" CitationRef="c02916" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02919" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" CitationRef="c02916" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c4983971" Type="F">
<Para>
<Text>
Word in s. 160(1) substituted (1.4.2003) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/2002/40" id="c02921" Year="2002" Class="UnitedKingdomPublicGeneralAct" Number="40" Title="Enterprise Act 2002">Enterprise Act 2002 (c. 40)</Citation>
,
<CitationSubRef id="c02922" CitationRef="c02921" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/278" SectionRef="section-278">ss. 278</CitationSubRef>
,
<CitationSubRef id="c02923" CitationRef="c02921" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/section/279" SectionRef="section-279">279</CitationSubRef>
,
<CitationSubRef id="c02924" CitationRef="c02921" URI="http://www.legislation.gov.uk/id/ukpga/2002/40/schedule/25/paragraph/6/31/b" SectionRef="schedule-25-paragraph-6-31-b" Operative="true">Sch. 25 para. 6(31)(b)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2003/766" id="c02925" Class="UnitedKingdomStatutoryInstrument" Year="2003" Number="766">S.I. 2003/766</Citation>
,
<CitationSubRef id="c02926" CitationRef="c02925" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/2" SectionRef="article-2" Operative="true">art. 2</CitationSubRef>
,
<CitationSubRef id="c02927" CitationRef="c02925" URI="http://www.legislation.gov.uk/id/uksi/2003/766/schedule" SectionRef="schedule">Sch.</CitationSubRef>
(with
<CitationSubRef id="c02928" CitationRef="c02925" URI="http://www.legislation.gov.uk/id/uksi/2003/766/article/3" SectionRef="article-3">art. 3</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2433091" Type="F">
<Para>
<Text>
Words in s. 160(4) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02930" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02931" CitationRef="c02930" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/5/a/i" Operative="true" SectionRef="section-62-5-a-i">s. 62(5)(a)(i)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02932" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02933" CitationRef="c02932" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02934" CitationRef="c02932" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2/2" SectionRef="article-2-2">art. 2(2)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2433101" Type="F">
<Para>
<Text>
Words in s. 160(4)(a)(b) substituted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02936" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02937" CitationRef="c02936" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/5/a/ii" Operative="true" SectionRef="section-62-5-a-ii">s. 62(5)(a)(ii)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02938" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02939" CitationRef="c02938" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02940" CitationRef="c02938" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2/2" SectionRef="article-2-2">art. 2(2)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c2433131" Type="F">
<Para>
<Text>
S. 160(7) inserted (1.3.2000) by
<Citation URI="http://www.legislation.gov.uk/id/ukpga/1998/29" id="c02942" Year="1998" Class="UnitedKingdomPublicGeneralAct" Number="29">1998 c. 29</Citation>
,
<CitationSubRef id="c02943" CitationRef="c02942" URI="http://www.legislation.gov.uk/id/ukpga/1998/29/section/62/5/b" Operative="true" SectionRef="section-62-5-b">s. 62(5)(b)</CitationSubRef>
;
<Citation URI="http://www.legislation.gov.uk/id/uksi/2000/183" id="c02944" Class="UnitedKingdomStatutoryInstrument" Year="2000" Number="183">S.I. 2000/183</Citation>
,
<CitationSubRef id="c02945" CitationRef="c02944" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2" Operative="true" SectionRef="article-2">art. 2</CitationSubRef>
(with
<CitationSubRef id="c02946" CitationRef="c02944" URI="http://www.legislation.gov.uk/id/uksi/2000/183/article/2/2" SectionRef="article-2-2">art. 2(2)</CitationSubRef>
)
</Text>
</Para>
</Commentary>
<Commentary id="c20964871" Type="F">
<Para>
<Text>
<CitationSubRef id="c02947" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/160A" SectionRef="section-160A">S. 160A</CitationSubRef>
inserted (30.4.2010 for certain purposes and otherwise 1.2.2011) by
<Citation URI="http://www.legislation.gov.uk/id/uksi/2010/1010" id="c02948" Class="UnitedKingdomStatutoryInstrument" Year="2010" Number="1010" Title="The Consumer Credit (EU Directive) Regulations 2010">The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010)</Citation>
,
<CitationSubRef id="c02949" URI="http://www.legislation.gov.uk/id/uksi/2010/1010/regulation/41" CitationRef="c02948" SectionRef="regulation-41" Operative="true">regs. 41</CitationSubRef>
,
<CitationSubRef id="c02950" URI="http://www.legislation.gov.uk/id/uksi/2010/1010/regulation/99/1/2/c" CitationRef="c02948" SectionRef="regulation-99-1-2-c">99(1)(2)(c)</CitationSubRef>
(with
<CitationSubRef id="c02951" URI="http://www.legislation.gov.uk/id/uksi/2010/1010/regulation/100" CitationRef="c02948" SectionRef="regulation-100">regs. 100</CitationSubRef>
,
<CitationSubRef id="c02952" URI="http://www.legislation.gov.uk/id/uksi/2010/1010/regulation/101" CitationRef="c02948" SectionRef="regulation-101">101</CitationSubRef>
)
</Text>
</Para>
</Commentary>
</Commentaries>
</Legislation>