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Consumer Credit Act 2006

Changes over time for: Section 59

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Version Superseded: 26/07/2013

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59Financial services ombudsman scheme to apply to consumer credit licenseesU.K.

This adran has no associated Nodiadau Esboniadol

(1)After section 226 of the 2000 Act insert—

“226AConsumer credit jurisdiction

(1)A complaint which relates to an act or omission of a person (“the respondent”) is to be dealt with under the ombudsman scheme if the conditions mentioned in subsection (2) are satisfied.

(2)The conditions are that—

(a)the complainant is eligible and wishes to have the complaint dealt with under the scheme;

(b)the complaint falls within a description specified in consumer credit rules;

(c)at the time of the act or omission the respondent was the licensee under a standard licence or was authorised to carry on an activity by virtue of section 34A of the Consumer Credit Act 1974;

(d)the act or omission occurred in the course of a business being carried on by the respondent which was of a type mentioned in subsection (3);

(e)at the time of the act or omission that type of business was specified in an order made by the Secretary of State; and

(f)the complaint cannot be dealt with under the compulsory jurisdiction.

(3)The types of business referred to in subsection (2)(d) are—

(a)a consumer credit business;

(b)a consumer hire business;

(c)a business so far as it comprises or relates to credit brokerage;

(d)a business so far as it comprises or relates to debt-adjusting;

(e)a business so far as it comprises or relates to debt-counselling;

(f)a business so far as it comprises or relates to debt-collecting;

(g)a business so far as it comprises or relates to debt administration;

(h)a business so far as it comprises or relates to the provision of credit information services;

(i)a business so far as it comprises or relates to the operation of a credit reference agency.

(4)A complainant is eligible if—

(a)he is—

(i)an individual; or

(ii)a surety in relation to a security provided to the respondent in connection with the business mentioned in subsection (2)(d); and

(b)he falls within a class of person specified in consumer credit rules.

(5)The approval of the Treasury is required for an order under subsection (2)(e).

(6)The jurisdiction of the scheme which results from this section is referred to in this Act as the “consumer credit jurisdiction”.

(7)In this Act “consumer credit rules” means rules made by the scheme operator with the approval of the Authority for the purposes of the consumer credit jurisdiction.

(8)Consumer credit rules under this section may make different provision for different cases.

(9)Expressions used in the Consumer Credit Act 1974 have the same meaning in this section as they have in that Act.”

(2)In Schedule 17 to that Act (the ombudsman scheme) after Part 3 insert the Part 3A set out in Schedule 2 to this Act.

Commencement Information

I1S. 59 in force at 16.6.2006 by S.I. 2006/1508, art. 3(1), Sch. 1

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