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Consumer Credit Act 1974
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Consumer Credit Act 1974, Section 97 is up to date with all changes known to be in force on or before 03 December 2024. There are changes that may be brought into force at a future date. Changes that have been made appear in the content and are referenced with annotations.
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Changes and effects yet to be applied to Section 97:
- s. 25(2A)(b) (ia) inserted by 2010 c. 28 Sch. 2 para. 36
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Whole provisions yet to be inserted into this Act (including any effects on those provisions):
- s. 25(2A)(b) (ia) inserted by 2010 c. 28 Sch. 2 para. 36
97 Duty to give information.U.K.
(1)The creditor under a regulated consumer credit agreement, within the prescribed period after he has received a request F1. . . to that effect from the debtor, shall give the debtor a statement in the prescribed form indicating, according to the information to which it is practicable for him to refer, the amount of the payment required to discharge the debtor’s indebtedness under the agreement, together with the prescribed particulars showing how the amount is arrived at.
(2)Subsection (1) does not apply to a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.
[F2(2A)A request under subsection (1) need not be in writing unless the agreement is secured on land.]
(3)If the creditor fails to comply with subsection (1)—
(a)he is not entitled, while the default continues, to enforce the agreement; F3. . .
(b)F3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Textual Amendments
F1Words in s. 97(1) omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(a), 99(1) (with regs. 100, 101)
F2S. 97(2A) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(b), 99(1) (with regs. 100, 101)
F3S. 97(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) regs. 30(1)(3), Sch. 2 para. 23, {Sch. 4 Pt. 1} (with savings in reg. 28(2)(3))
Modifications etc. (not altering text)
C1Ss. 94-97A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
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