Part 1 U.K.The National Consumer Council
The National Consumer Council and territorial committeesU.K.
1Establishment of the National Consumer Council and its territorial committeesU.K.
(1)There is to be a body corporate called the National Consumer Council or, in Welsh, Cyngor Defnyddwyr Cenedlaethol (“the Council”).
(2)The Council must establish and maintain—
(a)a committee for Scotland to be known as the Scottish Consumer Council;
(b)a committee for Wales to be known as the Welsh Consumer Council or, in Welsh, Cyngor Defnyddwyr Cymru;
(c)a committee for Northern Ireland to be known as the Northern Ireland Postal Services Committee.
(3)In this Part references to a “territorial committee” are to a committee established under subsection (2).
(4)Schedule 1 is about the Council and its territorial committees.
2The territorial committeesU.K.
(1)The territorial committees may exercise, on behalf of the Council, the following functions—
(a)in the case of the Scottish Consumer Council, the Council's functions under sections 8 to 17, 19 and 21 to 26, so far as they are exercisable in relation to Scotland;
(b)in the case of the Welsh Consumer Council, the Council's functions under those sections, so far as they are exercisable in relation to Wales;
(c)in the case of the Northern Ireland Postal Services Committee—
(i)the Council's functions under sections 8 to 12, 15 to 17, 19, 21 and 23 to 26 so far as they are exercisable in relation to Northern Ireland, and
(ii)the Council's functions under section 22 so far as they are exercisable in relation to consumer matters which relate to relevant postal services in relation to Northern Ireland.
(2)For the purpose of facilitating or improving co-ordination in relation to the carrying out of its functions, the Council may from time to time—
(a)impose restrictions or conditions on the exercise by a territorial committee of a function by virtue of subsection (1);
(b)give a territorial committee general or specific directions relating to the exercise of a function by virtue of that subsection.
(3)Nothing in subsection (1) prevents the Council from exercising any of its functions referred to in that subsection.
(4)A territorial committee also has the following purposes—
(a)the provision of advice and information to the Council about consumer matters affecting the area for which the committee is established,
(b)the provision of advice to the Council about the exercise of the Council's functions in so far as they affect that area, and
(c)such other purposes as the Council may determine (including the exercise of any functions delegated to the committee under paragraph 23 of Schedule 1).
“Consumer”, “consumer matters” and “designated consumers”U.K.
3“Consumer” and “consumer matters”U.K.
(1)In this Part “consumer” and “consumer matters” have the meaning given by this section.
(2)“Consumer” means—
(a)a person who purchases, uses or receives, in Great Britain, goods or services which are supplied in the course of a business carried on by the person supplying or seeking to supply them, or
(b)a person who purchases, uses or receives relevant postal services in Northern Ireland.
(3)“Consumer” includes both an existing consumer and a future consumer.
(4)For the purposes of subsection (2)—
(a)a person who uses services includes, in relation to relevant postal services, an addressee;
(b)“goods” includes land or an interest in land;
(c)“business” includes a profession and the activities of any government department, local or public authority or other public body.
(5)“Consumer matters” means—
(a)the interests of consumers, and
(b)any matter connected with those interests.
4“Designated consumers”U.K.
(1)In this Part “designated consumers” means—
(a)consumers in relation to gas conveyed through pipes or electricity conveyed by distribution systems or transmission systems, and
(b)consumers in relation to relevant postal services.
(2)The Secretary of State may, by order, amend subsection (1) so as—
(a)to make any description of consumers within subsection (3) “designated consumers” for the purposes of this Part;
(b)to provide for any description of consumers to cease to be “designated consumers” for those purposes.
(3)The consumers within this subsection are consumers in England and Wales in relation to services provided by a water undertaker, a sewerage undertaker or a licensed water supplier, in its capacity as such.
(4)Before making an order under subsection (2), the Secretary of State must consult—
(a)the Council,
(b)in the case of a relevant order, the Scottish Ministers,
(c)the Welsh Ministers, and
(d)such other persons as the Secretary of State considers appropriate.
(5)For this purpose a “relevant order” is an order which relates to any description of—
(a)consumers in relation to gas conveyed through pipes or electricity conveyed by distribution systems or transmission systems, or
(b)consumers in relation to relevant postal services.
Determining prioritiesU.K.
Valid from 07/05/2008
5Forward work programmesU.K.
(1)The Council must before each financial year publish a document (the “forward work programme”) containing—
(a)a statement of any priorities of the Council for the year in relation to designated consumers generally or any description of designated consumers;
(b)a general description of the main activities (including any projects) which it plans to undertake during the year in relation to designated consumers generally or any description of designated consumers;
(c)a statement of any other priorities of the Council for the year;
(d)a general description of any other projects which it plans to undertake during the year (other than those comprising routine activities in the exercise of its functions).
(2)The description of a project under subsection (1)(b) or (d) must include the objectives of the project.
(3)The forward work programme for any year must also include—
(a)an estimate of the overall expenditure which the Council expects to incur during the year in the exercise of its functions, and
(b)an estimate of the expenditure (if any) which the Council expects to incur during the year in the exercise of its functions in relation to designated consumers.
(4)An estimate under subsection (3)(b) must identify the expenditure (if any) which the Council expects to incur in the exercise of its functions in relation to each of the following—
(a)consumers in relation to gas conveyed through pipes or electricity conveyed by distribution systems or transmission systems;
(b)consumers in relation to relevant postal services;
(c)consumers who are designated consumers by virtue of an order under section 4(2)(a).
(5)Before publishing the forward work programme for any year, the Council must publish a notice—
(a)containing a draft of the forward work programme, and
(b)specifying the period within which representations about the proposals contained in it may be made,
and must consider any representations which are duly made and not withdrawn.
(6)The notice under subsection (5) must be published by the Council in such manner as it considers appropriate for the purpose of bringing the matters contained in the notice to the attention of persons likely to have an interest in them.
(7)The Council must send a copy of any notice given by it under subsection (5) to—
(a)the Secretary of State,
(b)the Scottish Ministers,
(c)the Welsh Ministers,
(d)the Office of Fair Trading, and
(e)any regulatory body which the Council considers might have an interest in the content of the notice.
6General provision about functionsU.K.
(1)In exercising its functions the Council must comply with the requirements of this section.
(2)The Council must have regard to the forward work programme published under section 5.
(3)The Council must have regard to the interests of consumers in different areas.
(4)The Council must have regard to the interests of consumers that are one or more of the following—
(a)disabled or chronically sick individuals;
(b)individuals of pensionable age;
(c)individuals with low incomes;
(d)individuals residing in rural areas.
(5)But nothing in subsection (4) is to be taken as implying that regard may not be had to the interests of other descriptions of consumers.
(6)The Council must have regard to the need to use its resources in the most efficient and economic way.
(7)In discharging the duty imposed by subsection (6), the Council must take account of the existence of any other public bodies with the same functions as, or similar functions to, those of the Council and the activities carried on by such bodies.
(8)The Council must exercise its functions in the manner which it considers is best calculated to contribute to the achievement of sustainable development.
(9)Subject to section 13 (investigation of complaints relating to disconnection of gas or electricity), nothing in this Part imposes on the Council a duty to exercise any of its functions on behalf of or at the request of a particular consumer.
(10)A person is of pensionable age for the purposes of this section if—
(a)the person has attained pensionable age (within the meaning given by the rules in paragraph 1 of Schedule 4 to the Pensions Act 1995 (c. 26)), or
(b)in the case of a man born before 6 April 1955, he is the same age as a woman who has attained pensionable age (within the meaning so given).
Valid from 01/10/2008
Annual reportU.K.
7Annual reportU.K.
(1)The Council must prepare a report for each financial year on its activities during the year (“the annual report”).
(2)The annual report must—
(a)contain a report on the progress of the projects described in the Council's forward work programme for that year published under section 5,
(b)contain details of any activities undertaken in that year under section 22 (voluntary activities), and
(c)deal with such other matters as the Secretary of State may from time to time direct.
(3)As soon as reasonably practicable after the end of each financial year, the Council must send a copy of the annual report prepared for that year to—
(a)the Secretary of State,
(b)the Scottish Ministers, and
(c)the Welsh Ministers.
(4)The Secretary of State must lay a copy of the annual report before Parliament.
(5)The Council must arrange for the annual report to be published.
The core functionsU.K.
Valid from 01/10/2008
8The representative functionU.K.
(1)The Council may—
(a)provide advice and information to persons within subsection (2) about consumer matters,
(b)make proposals to such persons about consumer matters, and
(c)represent the views of consumers on consumer matters to such persons.
(2)Those persons are—
(a)any Minister of the Crown or government department;
(b)the Scottish Ministers;
(c)the Welsh Ministers;
(d)any regulatory body established by or under an enactment;
(e)the European Commission or any other international organisation;
(f)any other person whom the Council considers might have an interest in the matter in question.
(3)In this section “enactment” means—
(a)an Act of Parliament,
(b)an Act of the Scottish Parliament,
(c)a Measure or Act of the National Assembly for Wales, or
(d)Northern Ireland legislation,
whenever passed or made.
9The research functionU.K.
The Council may obtain and keep under review—
(a)information about consumer matters,
(b)information about the views of consumers on consumer matters, and
(c)information of such other description as may be prescribed by the Secretary of State by order.
10The information functionU.K.
(1)The Council may facilitate the dissemination to consumers of advice and information—
(a)about the Council and its functions,
(b)about consumer matters, and
(c)about such other matters as may be prescribed by the Secretary of State by order.
(2)In exercising the power conferred by subsection (1) the Council may (among other things)—
(a)publish or otherwise make available information in any manner the Council thinks appropriate for the purpose of bringing it to the attention of those likely to be interested;
(b)support (financially or otherwise), facilitate or co-ordinate the activities of other persons.
Valid from 01/10/2008
Powers of investigationU.K.
11General powers of investigationU.K.
(1)The Council may investigate—
(a)a complaint made by or on behalf of a consumer which appears to the Council to raise one or more issues of general relevance;
(b)any matter which appears to the Council to be, or to be related to, a problem which affects or may affect consumers generally or consumers of a particular description.
(2)For this purpose, a complaint raises an issue of general relevance if it raises—
(a)a novel issue which affects or may affect consumers generally or consumers of a particular description, or
(b)any other issue which has or may have an important effect on consumers generally or consumers of a particular description.
12Investigation of complaints made by vulnerable designated consumersU.K.
(1)Subsection (3) applies to a complaint which is made—
(a)by or on behalf of a vulnerable person in that person's capacity as a designated consumer (“the designated consumer”),
(b)against a person (“the supplier”) who in the course of a business carried on by the supplier supplies or seeks to supply, or refuses to supply, goods or services to the designated consumer, and
(c)in respect of a matter connected with the supply of goods or services by the supplier to the designated consumer or a refusal by the supplier to supply goods or services to the designated consumer.
(2)For this purpose a person is “vulnerable” if the Council is satisfied that it is not reasonable to expect that person to pursue the complaint on that person's own behalf.
(3)Where a complaint to which this subsection applies is referred to the Council by or on behalf of the designated consumer, the Council may investigate the complaint for the purpose of determining whether it is appropriate to take any action under subsection (4).
(4)Where it appears to the Council to be appropriate to do so with a view to assisting in reaching a satisfactory resolution of a complaint referred to it under this section, the Council may—
(a)provide advice to the designated consumer or, if the complaint was made by another person on the designated consumer's behalf, that person;
(b)make representations on behalf of the designated consumer to the supplier about anything to which the complaint relates.
13Investigation of complaints relating to disconnection of gas or electricityE+W+S
(1)This section applies to—
(a)a complaint by a gas consumer against a gas transporter, in respect of the disconnection of, or a threat to disconnect, the consumer's premises by the gas transporter;
(b)a complaint by a gas consumer against a gas transporter, following such a disconnection, in respect of a refusal by the gas transporter to reconnect the premises;
(c)a complaint by a gas consumer against a gas supplier, in respect of the cutting off of, or a threat to cut off, a supply of gas to the consumer's premises by the gas supplier;
(d)a complaint by a gas consumer against a gas supplier, following such a cutting off, in respect of a refusal by the gas supplier to restore the supply to the premises;
(e)a complaint by a gas consumer against a gas supplier, in respect of the failure of a prepayment system;
(f)a complaint by an electricity consumer against an electricity supplier, an electricity distributor or a transmission licence holder, in respect of the disconnection of, or a threat to disconnect, the consumer's premises by the electricity supplier, electricity distributor or licence holder;
(g)a complaint by an electricity consumer against an electricity supplier, electricity distributor or transmission licence holder, following such a disconnection by the supplier, distributor or licence holder, in respect of a refusal by the supplier, distributor or licence holder to reconnect the premises;
(h)a complaint by an electricity consumer against an electricity supplier, in respect of the failure of a prepayment system.
(2)Where a complaint to which this section applies is referred to the Council by or on behalf of the complainant, the Council must investigate the complaint for the purpose of determining whether it is appropriate to take any action under subsection (3).
(3)Where it appears to the Council to be appropriate to do so with a view to assisting in reaching a satisfactory resolution of a complaint referred to it under this section, the Council must—
(a)provide advice to the complainant, or
(b)make representations on behalf of the complainant to the person against whom the complaint is made about anything to which the complaint relates.
(4)The Council may refuse to investigate a complaint, or part of a complaint, if—
(a)the complaint or part appears to the Council to be frivolous or vexatious;
(b)the complaint or part falls within a class of matter which a regulatory body is under a duty (whether imposed by or under an enactment or otherwise) to investigate;
(c)the complaint or part is being dealt with, or the Council is satisfied that it would be better dealt with, under an ombudsman scheme or any other redress scheme or in legal proceedings;
(d)the Council considers that there has been undue delay in the making of the complaint or part, or the provision of evidence to support it;
(e)the Council considers that there are other compelling reasons why it is inappropriate for the complaint or part to be investigated by the Council.
(5)The Council may refuse to investigate a complaint until the complainant has taken such steps as appear to the Council to be reasonable for the purpose of giving the person against whom the complaint is made a reasonable opportunity to deal with it.
(6)In subsection (1)—
(a)in paragraphs (a) and (b) “disconnection” in relation to any premises, means disconnection from a main of a gas transporter or the discontinuation of the conveyance of gas to the premises;
(b)in paragraphs (b), (d) and (g), the references to a gas consumer or electricity consumer are references to a person who was such a consumer at the time the disconnection of, or cutting off of the supply to, the premises occurred;
(c)in paragraphs (e) and (h), references to the failure of a prepayment system are references to—
(i)a failure in the facilities for payment for the supply of gas or electricity which results in a consumer with a prepayment meter being unable to make a payment for the supply of gas or electricity, or
(ii)where a payment has been made for the supply of gas or electricity through a prepayment meter, a case where the supply is not given through the prepayment meter because of a defect in the meter or in the facilities for payment.
(7)In this section—
“electricity consumer” means an individual who is a consumer in relation to electricity supplied by an authorised supplier;
“enactment” means—
(b)
an Act of the Scottish Parliament, or
(c)
a Measure or Act of the National Assembly for Wales,
whenever passed or made;
“gas consumer” means an individual who is a consumer in relation to gas supplied by an authorised supplier;
“the consumer's premises”—
(a)
in relation to an electricity consumer, means the premises to which the electricity supplied to the consumer by the authorised supplier is supplied;
(b)
in relation to a gas consumer, means the premises to which the gas supplied to the consumer is conveyed by the gas transporter;
“redress scheme” means a scheme under which complaints may be made to, and investigated and determined by, an independent person.
14Reference of matters to the Gas and Electricity Markets AuthorityE+W+S
(1)In this section references to a complaint are to a complaint within section 11(1)(a) or to which section 12(3) or 13 applies.
(2)Where it appears to the Council that a complaint relates to a matter in respect of which any of the Authority's enforcement functions may be exercisable, the Council must refer the complaint to the Authority unless it is satisfied that the Authority is already aware of the matter.
(3)Where a complaint to which section 13 applies is referred to the Authority under subsection (2), the Council is not required to investigate the complaint under subsection (2) of that section until the Authority has had a reasonable opportunity to exercise its enforcement functions in relation to the matter to which the complaint relates.
(4)On investigating a complaint, the Council must inform the complainant if it considers that the complaint relates to a matter of a kind which can be referred by the complainant to the Authority under any provision of the Gas Act 1986 (c. 44) or the Electricity Act 1989 (c. 29).
(5)In this section—
“the Authority” means the Gas and Electricity Markets Authority;
“enforcement function”, in relation to the Authority, means any of its functions under section 28 or 30A of the Gas Act 1986 or section 25 or 27A of the Electricity Act 1989.
15Reference of matters to the Postal Services CommissionU.K.
(1)The Council must refer any complaint within section 11(1)(a), or to which section 12(3) applies, to the Postal Services Commission (“the Commission”) if the Council considers that—
(a)the subject matter of the complaint indicates that a condition of a licence under Part 2 of the Postal Services Act 2000 (c. 26) has been contravened,
(b)the subject matter of the complaint is a referable matter, or
(c)it is appropriate to do so.
(2)The Council and the Commission must, from time to time, agree the descriptions of matters which are to be referred to the Commission and, for the purposes of subsection (1)(b), a matter is a “referable matter” if it is of a description for the time being so agreed.
16Investigations relating to public post officesU.K.
(1)Without prejudice to the generality of section 11, the Council may investigate any matter relating to—
(a)the number and location of public post offices in England and Wales and Scotland;
(b)the number and location of public post offices in Northern Ireland.
(2)In this section “public post office” has the same meaning as in the Postal Services Act 2000 (c. 26) (see section 42(3) of that Act).
Other functions of the CouncilU.K.
Valid from 01/10/2008
17Reports by the CouncilU.K.
(1)The Council may prepare a report in relation to any matter falling within the scope of its functions.
(2)The Council may publish any report prepared under this section.
Valid from 01/10/2008
18Secretary of State's power to require reportsU.K.
(1)The Secretary of State may direct the Council to prepare, and submit to the Secretary of State within a specified period, a report in respect of any matter specified in the direction which relates to consumer matters.
(2)The Secretary of State may publish any report submitted under this section.
Valid from 01/10/2008
19Advice, information and guidanceU.K.
(1)The Council may issue advice or guidance to any person with a view to improving standards of service and promoting best practice in connection with the handling of complaints made by consumers or any other matter affecting the interests of consumers.
(2)The Council may publish advice or information about consumer matters if it appears to the Council that its publication would promote the interests of consumers.
(3)For this purpose “information about consumer matters” includes information about the views of consumers on consumer matters.
20Duty to enter into co-operation arrangementsU.K.
(1)It is the duty of the Council and each designated body to enter into co-operation arrangements under this section.
(2)In this section—
(3)The co-operation arrangements must set out—
(a)in the case of the Financial Services Consumer Panel, the procedure for consulting and making nominations for the purposes of paragraph 1(4)(a) of Schedule 1 to this Act and section 10(5A) of the Financial Services and Markets Act 2000 (c. 8);
(b)in the case of the OFCOM Consumer Panel, the procedure for consulting and making nominations for the purposes of paragraph 1(4)(b) of Schedule 1 to this Act and section 17(4A) of the Communications Act 2003.
(4)As soon as practicable after agreement is reached between the Council and a designated body on co-operation arrangements, the Council and the body must prepare a memorandum setting them out and send a copy of it to the Secretary of State.
(5)The Council and a designated body must keep under review any co-operation arrangements entered into by them under this section.
(6)As soon as practicable after agreement is reached on any changes to co-operation arrangements, the Council and the designated body to which they relate must revise their memorandum and send a copy of the revised memorandum to the Secretary of State.
(7)The Secretary of State must lay a copy of any document received under this section before each House of Parliament.
Valid from 01/10/2008
21Power to co-operate and give assistanceU.K.
The Council may make arrangements to co-operate with and give assistance to any person if it considers that to do so would facilitate or be conducive to the exercise of its own functions.
22Voluntary activitiesU.K.
(1)The Council may provide for any person advice or assistance, including research or other services, as respects any matter in which the Council has skill, experience or expertise.
(2)The Council may make such charges as it thinks fit in respect of anything done in exercise of its powers under this section.
(3)The Council may spend such sums as it considers reasonable in the exploitation of commercial opportunities arising from the activities it carries on in the exercise of its functions.
(4)The Council may—
(a)establish one or more bodies corporate to exercise on behalf of the Council such of its functions under this section, in such circumstances, as the Council may determine;
(b)acquire an interest in an existing body corporate with a view to it exercising on behalf of the Council such of its functions under this section, in such circumstances, as the Council may determine.
(5)The Council may acquire an interest in a body corporate under subsection (4)(b) only with the consent of the Secretary of State.
(6)If the Secretary of State gives such consent, the Secretary of State must publish a notice stating that consent has been given and specifying the reasons for giving consent.
23Supplementary powers etcU.K.
(1)The Council may do anything (other than borrow money) which is calculated to facilitate, or is incidental or conducive to, the exercise of any of its functions.
(2)The Council must not acquire or dispose of any interest in land, except with the approval of the Secretary of State.
(3)Subsection (2) does not apply to an acquisition of an interest in land under a transfer scheme (within the meaning of section 35).
Valid from 01/10/2008
InformationU.K.
24Provision of information to the CouncilU.K.
(1)The Council may, by notice, require a person within subsection (3) to supply it with such information as is specified or described in the notice within such reasonable period as is so specified.
(2)The information specified or described in a notice under subsection (1) must be information the Council requires for the purpose of exercising its functions.
(3)The persons referred to in subsection (1) are—
(a)the Office of Fair Trading;
(b)a designated regulator;
(c)any person who supplies goods or services in the course of a business carried on by that person;
(d)any other person specified or of a description specified by the Secretary of State by order for the purposes of this subsection.
(4)A notice under subsection (1) may specify the manner and form in which any information is to be provided.
(5)Before giving a notice under subsection (1), or specifying the manner or form in which any information is to be provided, the Council must have regard to the desirability of minimising the costs, or any other detriment, to the person to whom the notice is to be given.
(6)If a person within subsection (3)(a) or (b) fails to comply with a notice under subsection (1), the person must, if so required by the Council, give notice to the Council of the reasons for the failure.
(7)An order under subsection (3)(d) may provide either—
(a)that subsection (6) is to apply in relation to a person specified or of a description specified by the order as it applies to a person within subsection (3)(a) or (b), or
(b)that section 26 is to apply in relation to such a person.
(8)The Council may publish any notice received under subsection (6).
(9)In this section—
25Enforcement by regulator of section 24 noticeU.K.
(1)Where a regulated provider fails to comply with a notice under section 24(1), the Council may refer the failure to—
(a)a person prescribed by the Secretary of State by order for the purposes of this section, or
(b)if no person has been so prescribed, the relevant regulator.
(2)Subsection (1) applies only to the extent that the notice relates to information which is held or may be obtained by the regulated provider in its capacity as a regulated provider.
(3)For the purposes of this section—
“designated investigator”, in relation to a failure to comply with a notice under section 24(1), means the person to whom the failure is referred under subsection (1);
“regulated provider” means a person listed in the first column of the following table;
“relevant regulator”, in relation to a regulated provider, means the body listed in relation to the regulated provider in the second column of that table.
Table
Regulated provider | Relevant regulator |
---|
A person holding a licence under section 7, 7ZA or 7A of the Gas Act 1986 (c. 44). | The Gas and Electricity Markets Authority. |
A person holding a licence under section 6 of the Electricity Act 1989 (c. 29) . | The Gas and Electricity Markets Authority. |
A person holding a licence under Part 2 of the Postal Services Act 2000 (c. 26). | The Postal Services Commission. |
A water undertaker, sewerage undertaker or licensed water supplier. | The Water Services Regulation Authority. |
(4)Where a failure is referred under subsection (1), the designated investigator must—
(a)consider any representations made by the Council or the regulated provider, and
(b)determine whether the regulated provider is entitled to refuse to comply with the notice by virtue of provision made under section 28 (exemptions from requirements to provide information).
(5)If the designated investigator determines that the regulated provider is not entitled to refuse to comply with the notice, the designated investigator must direct the regulated provider to comply with it.
(6)The designated investigator must give the Council and the regulated provider notice of—
(a)a determination under subsection (4)(b) and the reasons for it, and
(b)any direction under subsection (5).
(7)An obligation imposed by virtue of subsection (5) on a water undertaker, sewerage undertaker or licensed water supplier is enforceable by the Water Services Regulation Authority under section 18 of the Water Industry Act 1991 (c. 56) (orders for securing compliance).
(8)Schedule 2 makes provision about the enforcement of obligations imposed by virtue of subsection (5) on other regulated providers.
26Enforcement by court of section 24 noticeU.K.
(1)This section applies where a person (“the defaulter”) refuses, or otherwise fails, to comply with a notice given to the defaulter under section 24(1) and the defaulter is—
(a)within section 24(3)(c), or
(b)a person in relation to whom this section applies by virtue of provision made under section 24(7)(b).
(2)But this section does not apply in relation to a notice if, or to the extent that, section 25(1) applies in relation to the notice.
(3)The Council may apply to the court for an order requiring the defaulter to comply with the notice or with such directions for the like purpose as may be contained in the order.
(4)An order under this section may, in particular, provide that all the costs or expenses of and incidental to the application are to be borne—
(a)by the defaulter, or
(b)if officers of a company or other association are responsible for the failure to comply with the notice, by those officers.
(5)In this section “the court”—
(a)in relation to England and Wales or Northern Ireland, means the High Court, and
(b)in relation to Scotland, means the Court of Session.
27Provision of information by the CouncilU.K.
(1)An authorised person may, by notice, require the Council to supply it with such information as is specified or described in the notice within such reasonable period as is so specified.
(2)The information specified or described in a notice under subsection (1) must be information the authorised person requires for the purpose of exercising its functions.
(3)“Authorised person” means—
(a)the Office of Fair Trading;
(b)a designated regulator (within the meaning of section 24(9);
(c)any person specified or of a description specified by the Secretary of State by order.
(4)A notice under subsection (1) may specify the manner and form in which any information is to be provided.
(5)Before giving a notice under subsection (1) or specifying the manner or form in which any information is to be provided, an authorised person must have regard to the desirability of minimising the costs, or any other detriment, to the Council.
(6)If the Council fails to comply with a notice under subsection (1), it must, if so required by the authorised person which gave that notice, give notice to the authorised person of the reasons for the failure.
(7)An authorised person may publish any notice received by it under subsection (6).
28Exemptions from requirements to provide informationU.K.
(1)The Secretary of State may make regulations prescribing—
(a)descriptions of persons to whom the Council may not give a notice under section 24(1);
(b)descriptions of information which a person may refuse to supply in accordance with a notice under section 24(1) or 27(1);
(c)circumstances in which a person may refuse to comply with such a notice.
(2)No person may be required by a notice under section 24(1) or 27(1) or a court order under section 26—
(a)to provide any information which that person could not be compelled to supply in evidence in civil proceedings before the High Court or the Court of Session, or
(b)to produce any document which that person could not be compelled to produce in such proceedings.
29Disclosure of informationU.K.
(1)In Schedule 14 to the Enterprise Act 2002 (c. 40) (restrictions on disclosure: list of enactments under or by virtue of which information is obtained), at the appropriate place in the list insert— “ Consumers, Estate Agents and Redress Act 2007. ”
(2)In Schedule 15 to that Act (enactments in relation to which disclosure may be made), at the appropriate place in the list insert— “ Consumers, Estate Agents and Redress Act 2007. ”
(3)For the purposes of Part 9 of the Enterprise Act 2002 (c. 40) (information) the following information is to be regarded as “specified information” within the meaning of that Part—
(a)information obtained by the Council under or by virtue of Part 1 of the the Gas Act 1986 (c. 44), Part 1 of the Electricity Act 1989 (c. 29) or the Utilities Act 2000 (c. 27);
(b)information obtained by the Council under or by virtue of the Postal Services Act 2000 (c. 26).
(4)Part 9 of the Enterprise Act 2002 (which among other things restricts the disclosure of certain information) does not limit the information which may be—
(a)made available by the Council under section 8 or 10,
(b)included in, or made public as part of, a report of the Council under any provision of this Part,
(c)published by the Council under section 19(2) or 24(8),
(d)published by an authorised person under section 27(7),
(e)published by the Council under section 45, or
(f)published by the Council under section 33DA of the Gas Act 1986 or section 42AA of the Electricity Act 1989.
(5)Before disclosing any specified information by virtue of subsection (4) (other than by publishing it as mentioned in subsection (4)(e) or (f)), the Council or authorised person must consult—
(a)if the information relates to the affairs of an individual, that individual, and
(b)if the information relates to the business of an undertaking, the person for the time being carrying on the business.
(6)Before disclosing any specified information by virtue of subsection (4) (other than by publishing it as mentioned in subsection (4)(e) or (f)), the Council or authorised person must also have regard to the considerations set out in subsections (2) to (4) of section 244 of the Enterprise Act 2002.
For this purpose, references to “the authority” in those subsections are to be read as references to the Council or the authorised person, as appropriate.
(7)In this section—
Abolition of consumer bodiesU.K.
30Abolition of “Energywatch” and “Postwatch”U.K.
(1)The Gas and Electricity Consumer Council is abolished.
(2)The Consumer Council for Postal Services is abolished.
(3)Subject to any modifications made by this Act—
(a)the functions of the Gas and Electricity Consumer Council under the Gas Act 1986 (c. 44), the Electricity Act 1989 (c. 29) and the Utilities Act 2000 (c. 27), and
(b)the functions of the Consumer Council for Postal Services under the Postal Services Act 2000 (c. 26),
are transferred by this section to the Council.
(4)Accordingly—
(a)in section 66 of the Gas Act 1986 (general interpretation), for the definition of “the Council” substitute—
““the Council” means the National Consumer Council;”,
(b)in section 111(1) of the Electricity Act 1989 (general interpretation), for the definition of “the Council” substitute—
““the Council” means the National Consumer Council;”,
(c)in section 125(1) of the Postal Services Act 2000 (interpretation), after the definition of “correspondent” insert—
““the Council” means the National Consumer Council,”, and
(d)in section 106(1) of the Utilities Act 2000 (interpretation), for the definition of “Council” substitute—
““Council” means the National Consumer Council;”.
(5)Schedule 3 contains transitional provisions.
Valid from 01/10/2008
31Designation of the Consumer Council for Water for abolitionE+W
(1)The Secretary of State may by order designate the Consumer Council for Water for abolition.
(2)An order under this section must specify the earliest date on which a transfer order or an abolition order under section 32 may take effect in respect of the Consumer Council for Water.
(3)Before making an order under this section the Secretary of State must consult—
(a)the Consumer Council for Water,
(b)the Council, and
(c)such other persons as the Secretary of State considers appropriate.
(4)An order under this section may only be made with the consent of the Welsh Ministers.
Valid from 01/10/2008
32Transfer orders and abolition ordersE+W
(1)Where the Consumer Council for Water is designated for abolition under section 31, the Secretary of State may make in respect of it—
(a)one or more transfer orders;
(b)an abolition order.
(2)A transfer order is an order which provides for the transfer to the Council of any function of the Consumer Council for Water.
(3)An abolition order is an order which provides for the abolition of the Consumer Council for Water.
(4)No provision of an order under this section may take effect before the date specified under section 31(2).
(5)A transfer order or abolition order may be made only with the consent of the Welsh Ministers.
Valid from 01/10/2008
33Supplementary provision about transfer and abolition ordersE+W
(1)This section applies where the Consumer Council for Water has been designated for abolition under section 31.
(2)In this section “payment conditions” means—
(a)in the case of an appointment under Chapter 1 of Part 2 of the Water Industry Act 1991 (c. 56), conditions included in the appointment by virtue of section 11(1)(c) of that Act, and
(b)in the case of a water supply licence under Chapter 1A of that Part, conditions included in the licence by virtue of section 17G(1)(b) of that Act.
(3)The payment conditions of such an appointment or licence may (without prejudice to the generality of sections 11(1)(c) and 17G(1)(b) of that Act) require the payment by the company holding the appointment or licence of sums relating to any of the expenses mentioned in subsection (4).
(4)Those expenses are—
(a)the appropriate proportion of the expenses of the Council (other than those expenses within paragraph (b) and any expenses relating to the establishment of the Council);
(b)any expenses of the Council, the Secretary of State or the Consumer Council for Water which relate to a transfer scheme made in respect of the Consumer Council for Water under section 35(2)(a) or (7);
(c)the expenses of the Secretary of State which relate to the abolition of the Consumer Council for Water;
(d)the expenses of expanding an OFT scheme to enable it to cater for water consumers;
(e)the appropriate proportion of the expenses of the Office of Fair Trading on, or in connection with, the support of any OFT scheme.
(5)The “appropriate proportion” of any relevant expenses means such proportion of the expenses as the Secretary of State considers is reasonable having regard to—
(a)in the case of expenses within subsection (4)(a), the functions exercisable by the Council in relation to water consumers;
(b)in the case of expenses within subsection (4)(e), the functions under the OFT scheme which are exercisable in relation to water consumers.
(6)The Authority may, in accordance with this section, modify any payment conditions where it considers it necessary or expedient to do so in consequence of, or of preparations for—
(a)the abolition of the Consumer Council for Water, or
(b)a transfer order or abolition order under section 32.
(7)The Authority may, in accordance with this section, make such incidental or consequential modifications of the other conditions which are included in—
(a)an appointment under Chapter 1 of Part 2 of the Water Industry Act 1991 (c. 56), or
(b)a water supply licence under Chapter 1A of that Part,
as it considers necessary or expedient in consequence of, or of preparations for, an event mentioned in subsection (6)(a) or (b).
(8)Before modifying under subsection (6) or (7) the conditions included in an appointment or licence, the Authority must consult the company holding the appointment or licence.
(9)The Secretary of State may, after consulting the Welsh Ministers, give directions to the Authority for the purpose of securing that sums relating to any of the expenses mentioned in subsection (4) are included in the sums payable by virtue of payment conditions; and the Authority must comply with any such direction.
(10)In this section—
“the Authority” means the Water Services Regulation Authority;
“OFT scheme” means any public consumer advice scheme supported by the Office of Fair Trading;
“water consumers” means consumers in relation to services provided by a water undertaker, a sewerage undertaker or a licensed water supplier, in its capacity as such.
Abolition: supplementary provisionU.K.
Valid from 01/10/2008
34Compensation for loss of officeU.K.
(1)The Secretary of State may pay such sums as the Secretary of State may, with the approval of the Treasury, determine by way of compensation to any person who—
(a)ceases to be a member of the Consumer Council for Postal Services, the Gas and Electricity Consumer Council, or the Consumer Council for Water by virtue of the abolition of the body in question by or under this Part, or
(b)ceases to be a member of the company called the National Consumer Council (a company limited by guarantee and registered under the Companies Acts) by virtue of its dissolution.
(2)The compensation is payable in respect of loss of office, or loss or diminution of pension rights.
35Transfer of property etcU.K.
(1)This section applies to—
(a)the Consumer Council for Postal Services;
(b)the Gas and Electricity Consumer Council;
(c)if a transfer order has been made under section 32 (whether or not it has taken effect), the Consumer Council for Water;
(d)the company called the National Consumer Council (a company limited by guarantee and registered under the Companies Acts).
(2)The Secretary of State may direct a body to which this section applies—
(a)to make a scheme or schemes for the transfer of its property, rights and liabilities to the Council;
(b)to transfer such property, rights or obligations as are specified in the direction to a person (other than the Council) so specified (“the specified transferee”).
(3)Before giving, varying or revoking a direction under subsection (2), the Secretary of State must consult—
(a)the body to which the direction is to be or has been given,
(b)the Council, and
(c)in the case of a direction under subsection (2)(b), the specified transferee.
(4)A body given a direction under subsection (2)(a) must consult the Council before making a transfer scheme.
(5)A transfer scheme made pursuant to a direction under subsection (2)(a) has effect—
(a)only if approved by the Secretary of State, and
(b)subject to any modifications made by the Secretary of State.
(6)Before making any modifications the Secretary of State must consult the body to which the direction was given.
(7)The Secretary of State may make a scheme or schemes for the transfer to the Council of the property, rights and liabilities of a body to which this section applies.
(8)Schedule 4 makes further provision about transfer schemes.
(9)In this section “transfer scheme” means a scheme made under or by virtue of subsection (2)(a) or (7).
36DirectionsU.K.
(1)The Secretary of State may direct a body to which section 35 applies to supply to the Secretary of State such information specified or described in the direction as the Secretary of State may require in relation to—
(a)the body's property, rights or liabilities, or
(b)the exercise by the body of its functions.
(2)A direction under subsection (1)—
(a)must specify the period within which the information is to be provided, and
(b)may require the information to be supplied in a specified form.
(3)A body given a direction under subsection (1) must comply with it within the specified period.
(4)The Secretary of State may direct a body to which section 35 applies not to take any action of a specified kind, or in specified circumstances.
(5)Before giving, varying or revoking a direction under this section, the Secretary of State must consult—
(a)the body to which the direction is to be or has been given, and
(b)the Council.
(6)In this section “specified” means specified in the direction given by the Secretary of State.
Valid from 01/10/2008
Alteration of the Council's functionsU.K.
37Extension of the Council's functions: Great BritainE+W+S
(1)The Secretary of State may, by order, confer on the Council any other function or functions if the Secretary of State considers that it is in the interests of consumers generally, or consumers of a particular description, to do so.
(2)The Secretary of State may only confer a function on the Council under this section if the function appears to the Secretary of State to be connected (directly or indirectly) to an existing or former function of the Council.
(3)Before making an order under subsection (1), the Secretary of State must consult—
(a)the Council,
(b)if it appears to the Secretary of State that the exercise of any function conferred by the order might affect Wales in relation to any matter as respects which functions are exercisable by the Welsh Ministers, those Ministers, and
(c)such other persons as the Secretary of State considers appropriate.
(4)An order under this section may not make provision which would be within the legislative competence of the Scottish Parliament if it were contained in an Act of that Parliament.
(5)An order under this section which makes provision which would be within the legislative competence of the National Assembly for Wales if it were contained in a Measure of the Assembly (or, if the order is made after the Assembly Act provisions come into force, an Act of the Assembly) may only be made with the consent of the Assembly.
(6)In subsection (5) “the Assembly Act provisions” has the meaning given by section 103(8) of the Government of Wales Act 2006 (c. 32).
38Removal of the Council's functions in relation to Northern IrelandU.K.
(1)This section applies where the Secretary of State is satisfied that satisfactory arrangements are in place for a body (other than the Council) to exercise functions corresponding to the functions exercisable by the Council in relation to Northern Ireland.
(2)The Secretary of State may by order repeal—
(a)section 1(2)(c) (requirement to establish and maintain the Northern Ireland Postal Services Committee);
(b)section 2(1)(c) (functions which the Northern Ireland Postal Services Committee is authorised to exercise);
(c)section 3(2)(b) (Northern Ireland consumers of relevant postal services);
(d)section 16(1)(b)(investigations relating to public post offices in Northern Ireland);
(e)any other provision of this Part, so far as it extends to Northern Ireland.
(3)Before making an order under this section, the Secretary of State must consult—
(a)the Council, and
(b)such other persons as the Secretary of State considers appropriate.
Representation on other consumer panelsU.K.
39The Financial Services Consumer PanelU.K.
In section 10 of the Financial Services and Markets Act 2000 (c. 8) (the Consumer Panel), after subsection (5) insert—
“(5A)The Secretary of State may direct the Authority to appoint as a member of the Consumer Panel a person specified by the Secretary of State who—
(a)is a non-executive member of the National Consumer Council, and
(b)is nominated for the purposes of this subsection by the National Consumer Council after consultation with the Authority.
(5B)Only one person may, at any time, be a member of the Consumer Panel appointed in accordance with a direction under subsection (5A); but that does not prevent the Authority appointing as a member of the Consumer Panel any person who is also a member of the National Consumer Council.
(5C)A person appointed in accordance with a direction under subsection (5A) ceases to be a member of the Panel on ceasing to be a non-executive member of the National Consumer Council.”
40 The OFCOM Consumer Panel U.K.
In section 17 of the Communications Act 2003 (c. 21) (membership etc of the Consumer Panel)—
(a)after subsection (4) insert—
“(4A) The Secretary of State may direct OFCOM to appoint as a member of the Consumer Panel a person specified by the Secretary of State who—
(a)is a non-executive member of the National Consumer Council, and
(b)is nominated for the purposes of this subsection by the National Consumer Council after consultation with OFCOM.
(4B) Only one person may, at any time, be a member of the Consumer Panel appointed in accordance with a direction under subsection (4A); but that does not prevent OFCOM appointing as a member of the Consumer Panel any person who is also a member of the National Consumer Council.
(4C)A person appointed in accordance with a direction under subsection (4A) ceases to be a member of the Panel on ceasing to be a non-executive member of the National Consumer Council.”, and
(b) in subsection (5) for “subsection (3) or (4)” substitute “ subsections (3) to (4A) ” .
InterpretationU.K.
41Interpretation of Part 1U.K.
(1)In this Part—
“distribution system” has the meaning given by section 4(4) of the Electricity Act 1989 (c. 29);
“financial year” (except in Schedule 3) means—
(a)
the period beginning with the day on which the Council is established and ending with the next following 31 March, and
(b)
each successive period of 12 months;
“functions” includes powers and duties;
“gas” has the meaning given by section 48(1) of the Gas Act 1986 (c. 44);
“licensed water supplier” means a company holding a water supply licence under Chapter 1A of Part 2 of the Water Industry Act 1991 (c. 56);
“modify” includes amend, add to, revoke or repeal (and references to “modification” are to be read accordingly);
“postal services” has the same meaning as in the Postal Services Act 2000 (c. 26) (see section 125(1) of that Act);
“regulatory body” means a person who exercises regulatory functions in relation to a particular description of persons with a view to ensuring compliance with particular standards of conduct (whether statutory or non-statutory) by those persons;
“relevant postal services” means any postal services provided in connection with the provision of a universal postal service (within the meaning of the Postal Services Act 2000) and any other postal services which are provided, or authorised or required to be provided, by a licence holder under Part 2 of that Act in accordance with a licence under that Part.
(2)In this Part—
(a)expressions used, as regards matters relating to gas, which are defined in section 48 of the Gas Act 1986 have the same meaning as in Part 1 of that Act, and
(b)expressions used, as regards matters relating to electricity, which are defined in section 64 of the Electricity Act 1989, have the same meaning as in Part 1 of that Act.
Part 2 U.K.Complaints handling and redress schemes
IntroductoryU.K.
42Interpretation of Part 2U.K.
(1)In this Part—
“regulated provider” means a person within an entry in column 1 of the table;
“relevant consumer”, in relation to a regulated provider, means a person within the corresponding entry in column 2 of the table;
“relevant regulator”, in relation to a regulated provider, means the body specified in the corresponding entry in column 3 of the table.
Table
Regulated provider | Relevant consumer | Relevant regulator |
---|
A person holding a licence under section 7A(1) of the Gas Act 1986 (c. 44) (supply licences). | A person who is a consumer in relation to gas supplied by a gas supplier (within the meaning of Part 1 of that Act). | The Gas and Electricity Markets Authority. |
A person holding a licence under section 7(2) of the Gas Act 1986 (transportation licences). | A person (other than a gas licensee) who is a consumer in relation to services provided by a gas transporter (within the meaning of Part 1 of that Act). | The Gas and Electricity Markets Authority. |
A person holding a licence under section 6(1)(d) of the Electricity Act 1989 (c. 29) (supply licences). | A person who is a consumer in relation to electricity supplied by an electricity supplier (within the meaning of Part 1 of that Act). | The Gas and Electricity Markets Authority. |
A person holding a licence under section 6(1)(c) of the Electricity Act 1989 (distribution licences). | A person (other than an electricity licensee) who is a consumer in relation to services provided by an electricity distributor (within the meaning of Part 1 of that Act). | The Gas and Electricity Markets Authority. |
A person holding a licence under Part 2 of the Postal Services Act 2000 (c. 26). | A person who is a consumer in relation to relevant postal services (within the meaning of section 41). | The Postal Services Commission. |
A water undertaker, sewerage undertaker or licensed water supplier. | A person who is a consumer in relation to services provided by a water undertaker, sewerage undertaker or licensed water supplier in its capacity as such. | The Water Services Regulation Authority. |
(2)In this Part—
“consumer” has the same meaning as in Part 1;
“consumer complaint” means a complaint which is made against a regulated provider by or on behalf of a person in that person's capacity as a relevant consumer in relation to the regulated provider;
“licensed water supplier” has the same meaning as in Part 1;
“regulator” means a body listed in column 3 of the table.
(3)In this Part references to a regulator's regulated providers are to the regulated providers in relation to which the regulator is the relevant regulator.
(4)In this section—
Standards for handling complaintsU.K.
43Standards for handling complaintsU.K.
(1)A regulator must by regulations prescribe standards for the handling by its regulated providers of consumer complaints made to them.
(2)The regulations may prescribe standards in relation to all consumer complaints, or consumer complaints of a kind specified in the regulations.
(3)In particular, the regulations may specify a kind of consumer complaint by reference to the subject-matter of a complaint, or the description of person making a complaint.
(4)Regulations under this section may be made only with the consent of the Secretary of State.
(5)A regulator must make arrangements for securing that regulations made by it under this section are available to the public, by whatever means it considers appropriate.
(6)If a date is prescribed in relation to a regulator for the purposes of this subsection, from that date subsection (1) has effect in relation to that regulator as if, in that subsection, for “must” there were substituted “may”.
(7)In subsection (6) “prescribed” means prescribed by order made by the Secretary of State under this section.
(8)Before prescribing a date in relation to a regulator for the purposes of subsection (6), the Secretary of State must consult—
(a)the regulator,
(b)the Council, and
(c)such other persons as the Secretary of State considers appropriate.
(9)This section does not apply to the Water Services Regulation Authority.
44Requirements for making regulations under section 43U.K.
(1)Before making regulations under section 43 a regulator must—
(a)arrange for such research as it considers appropriate with a view to discovering the views of a representative sample of persons likely to be affected, and consider the results,
(b)publish a notice of its proposals (a “proposals notice”) in such manner as the regulator considers appropriate for bringing it to the attention of those likely to be affected by the proposals,
(c)consider any representations duly made, and
(d)consult persons or bodies appearing to it to be representative of persons likely to be affected by the proposals.
(2)The proposals notice must—
(a)set out the standards the regulator proposes to prescribe,
(b)give the reasons why the regulator proposes to prescribe those standards,
(c)explain how the standards will be enforced, and
(d)specify a time (not being earlier than the end of the period of 30 days beginning with the day on which the notice is published) before which representations may be made.
(3)The requirements of subsection (1) may be satisfied by action taken before the commencement of this section or the passing of this Act.
Valid from 01/10/2008
45Information with respect to compliance with complaints handling standardsU.K.
(1)This section applies in relation to standards prescribed by a regulator by regulations under section 43 in relation to its regulated providers (or some of them).
(2)The Council must publish such statistical information as it considers appropriate relating to the levels of compliance with the standards which those regulated providers have achieved.
(3)That information must be published in such form and manner, and with such frequency, as the Council thinks appropriate.
(4)Schedule 5 makes further provision with respect to information about compliance with complaints handling standards.
46Supply of information to consumersU.K.
(1)A regulator may make regulations requiring each of its regulated providers in relation to which standards are prescribed under section 43 to give to the provider's relevant consumers such information as may be specified or described in the regulations about—
(a)the standards, and
(b)the levels of compliance with those standards achieved by the provider.
(2)Regulations under this section may include provision specifying the form and manner in which, and the frequency with which, information is to be given.
Requirements relating to redress schemesU.K.
47Membership of redress schemeU.K.
(1)The Secretary of State may by order require regulated providers to be members of a redress scheme which is—
(a)approved by their relevant regulator in accordance with section 49, or
(b)administered by the Secretary of State (or a person appointed by the Secretary of State) and designated by the Secretary of State as an appropriate redress scheme in relation to them.
(2)The order may provide that the requirement applies only in relation to consumer complaints of a kind specified in the order.
(3)In particular, the order may specify a kind of consumer complaint by reference to the subject-matter of a complaint, or the description of person making a complaint.
(4)Before making an order under this section the Secretary of State must consult—
(a)each relevant regulator (in relation to regulated providers to which the order will apply), and
(b)other persons appearing to the Secretary of State to be representative of persons who have an interest in the matter.
(5)The requirements of subsection (4) may be satisfied by consultation undertaken before the commencement of this section or the passing of this Act.
(6)An order under this section which applies to a water undertaker or sewerage undertaker for an area which is wholly or mainly in Wales may be made only with the consent of the Welsh Ministers.
(7)The Secretary of State may not make an order under this section unless satisfied, in relation to each regulated provider to which the order will apply, that—
(a)there is at least one qualifying redress scheme which the provider is eligible to join and membership of which will satisfy the requirement imposed by the order, or
(b)there will be such a scheme when the order comes into force.
(8)The Secretary of State may not designate a scheme in relation to regulated providers under subsection (1)(b) unless the Secretary of State is satisfied that the scheme is one which could be approved by their relevant regulator in accordance with section 49.
(9)The Secretary of State may establish or administer a scheme for the purposes of subsection (1)(b), or provide financial assistance to a person who establishes or administers such a scheme; and such a scheme may provide for fees to be payable by members of the scheme.
48Membership of redress schemes: supplementaryU.K.
(1)In this Part—
“qualifying redress scheme” means a redress scheme within paragraph (a) or (b) of section 47(1);
“redress scheme” means a scheme under which consumer complaints may be made to, and investigated and determined by, an independent person (“the independent person”);
“scheme administrator”, in relation to a redress scheme, means the person who administers the scheme,
and references to approval of a redress scheme are to approval of the scheme for the purposes of section 47(1)(a).
(2)In the definition of “redress scheme”, “independent”, in relation to a consumer complaint, means independent of—
(a)the regulated provider against whom the complaint is made, and
(b)the regulator who is the relevant regulator in relation to the regulated provider.
(3)Nothing in this Part prevents a qualifying redress scheme providing—
(a)for membership to be open to persons who are not subject to any duty to belong to a qualifying redress scheme;
(b)for the investigation and determination of complaints other than those in relation to which such a duty applies, made against members who have voluntarily accepted the jurisdiction of the scheme over such complaints.
(4)For the purposes of the law relating to defamation, proceedings under a qualifying redress scheme (in relation to a consumer complaint and a regulated provider to which an order under section 47 applies) are to be treated in the same way as proceedings before a court.
49Approval of redress schemesU.K.
(1)In deciding whether to approve a redress scheme, a regulator must have regard to—
(a)the provisions of the scheme;
(b)the manner in which the scheme will be operated (so far as that can be judged from the facts known to the regulator);
(c)the interests of relevant consumers (in relation to the regulator's regulated providers);
(d)such principles as—
(i)in the opinion of the regulator constitute generally accepted principles of best practice in relation to schemes for providing redress to consumers, and
(ii)it is reasonable to regard as applicable to the scheme.
(2)In considering the interests of relevant consumers under subsection (1)(c), the regulator must in particular have regard to the number of other redress schemes applying to its regulated providers which are (or are likely to become) qualifying redress schemes.
(3)A regulator must not approve a redress scheme unless—
(a)membership of the scheme is open to all the regulator's regulated providers, and those regulated providers may not be expelled from membership of the scheme,
(b)if, at the time the approval is given, any of the regulator's regulated providers are required under section 47 to be a member of a redress scheme (or would be so required but for the fact that an order which has been made under that section is not yet in force), the scheme covers all the consumer complaints to which the requirement applies,
(c)the independent person may require regulated providers to provide complainants with the types of redress listed in subsection (6) (whether or not other types of redress are available), and
(d)the regulator considers that the scheme makes satisfactory provision about the matters listed in subsection (7).
(4)Subsection (3)(a) does not prevent the Gas and Electricity Markets Authority approving—
(a)a scheme which is open to all regulated gas providers, but not regulated electricity providers,
(b)a scheme which is open to all regulated electricity providers, but not regulated gas providers,
and, in the case of such a scheme, subsection (3)(b) applies as if the reference to the regulator's regulated providers were to the regulated gas providers or, as the case may be, regulated electricity providers.
(5)For this purpose—
“regulated electricity provider” means a person holding a licence under section 6(1)(c) or (d) of the Electricity Act 1989 (c. 29);
“regulated gas provider” means a person holding a licence under section 7(2) or 7A(1) of the Gas Act 1986 (c. 44).
(6)The types of redress mentioned in subsection (3)(c) are—
(a)providing an apology or explanation,
(b)paying compensation, and
(c)taking such other action in the interests of the complainant as the independent person may specify.
(7)The matters mentioned in subsection (3)(d) are—
(a)the matters about which complaints may be made (which may include non-compliance with a code of practice or other document);
(b)the independent person's duties and powers in relation to the investigation and determination of complaints (which may include power to decide not to investigate or determine a complaint);
(c)the enforcement of any requirement to provide redress imposed on a regulated provider in accordance with the scheme;
(d)the provision of information by the independent person to the regulator and to persons within subsection (8);
(e)the provision of information by the independent person—
(i)to the Office of Fair Trading, for the purposes of any public consumer advice scheme supported by it, and
(ii)to persons who operate a public consumer advice scheme supported by the Office of Fair Trading, for the purposes of that scheme;
(f)the acceptance and handling of complaints transferred from redress schemes which have their approval withdrawn under section 51.
(8)The persons within this subsection are—
(a)any other body having regulatory functions in relation to the regulated providers to which the scheme applies;
(b)persons exercising functions under other redress schemes which apply to the regulator's regulated providers;
(c)the Council;
(d)the Secretary of State.
50Approval of redress schemes: supplementaryU.K.
(1)An application for approval of a redress scheme must be made in such manner, and accompanied by such information, as the regulator to which the application is made may determine.
(2)Section 51 applies if the regulator is minded to refuse an application for approval.
(3)The scheme administrator of a redress scheme approved by a regulator must notify the regulator of any change to the scheme before the end of the period of 14 days beginning with the day on which the change is made.
(4)A regulator may, in accordance with section 51, withdraw its approval of a redress scheme, and may do so generally or in relation to consumer complaints of a description specified by the regulator.
(5)In particular, a regulator may withdraw its approval in relation to consumer complaints made on or after a date specified by the regulator.
51Procedure for refusing or withdrawing approvalU.K.
(1)Before refusing or withdrawing its approval of a redress scheme, the regulator must give the scheme administrator a notice—
(a)stating that the regulator proposes to refuse or withdraw its approval,
(b)giving the reasons for the proposed refusal or withdrawal, and
(c)specifying a time (not being earlier than the end of the period of 30 days beginning with the day on which the notice is given to the scheme administrator) before which representations about the proposed refusal or withdrawal may be made.
(2)The regulator must give notice to the scheme administrator of—
(a)the regulator's decision on a proposal to refuse or withdraw approval, and
(b)the reasons for its decision.
(3)In the case of a decision to withdraw approval, the regulator must also give notice of its decision and the reasons for it to the Secretary of State.
(4)The scheme administrator must give a copy of the notice under subsection (2) to each member of the scheme.
(5)If the regulator decides to withdraw approval, the withdrawal has effect in accordance with, and from the date specified in, the notice under subsection (2).
(6)Where a redress scheme designated under section 47(1)(b) is administered by a person appointed by the Secretary of State, this section (other than subsection (3)) applies in relation to a revocation by the Secretary of State of that person's appointment as it applies in relation to a withdrawal by a regulator of the approval of a redress scheme.
Valid from 01/10/2008
EnforcementU.K.
52Enforcement of requirements imposed under Part 2U.K.
(1)In section 28 of the Gas Act 1986 (c. 44) (orders for securing compliance), in subsection (8), in the definition of “relevant requirement”, after “that Act)” (as inserted by paragraph 1 of Schedule 2) insert “ , or section 43, 46 or 47 of that Act (complaints). ”
(2)In section 25 of the Electricity Act 1989 (c. 29) (orders for securing compliance), in subsection (8), in the definition of “relevant requirement”, after “that Act)” (as inserted by paragraph 2 of Schedule 2) insert “ , or section 43, 46 or 47 of that Act (complaints). ”
(3)A requirement imposed under section 47 on a water undertaker, sewerage undertaker or licensed water supplier is enforceable by the Water Services Regulation Authority under section 18 of the Water Industry Act 1991 (c. 56) (orders for securing compliance).
(4)In section 22 of the Postal Services Act 2000 (c. 26) (final orders), in the definition of “relevant requirement” in subsection (5) (as substituted by paragraph 3(2) of Schedule 2 and amended by Schedule 5), after paragraph (b) insert “, or
(c)an obligation imposed under section 43, 46 or 47 of that Act (complaints).”
Part 3 U.K.Amendment of the Estate Agents Act 1979
Estate agents' dutiesU.K.
53Membership of redress schemesU.K.
(1)Schedule 6 (which amends the Estate Agents Act 1979 (c. 38) to make provision for redress schemes dealing with complaints about estate agents) has effect.
(2)In section 3(1) of the Estate Agents Act 1979 (grounds for making prohibition orders), after paragraph (c) insert—
“(ca)has engaged in estate agency work in relation to residential property in breach of the duty imposed by an order under section 23A(1) below; or”.
(3)Sections 172 to 174 of the Housing Act 2004 (c. 34) (redress schemes dealing with complaints about the activities of estate agents in relation to home information packs) are omitted.
Prospective
54Duty to keep recordsU.K.
(1)After section 21 of the Estate Agents Act 1979 (transactions in which an estate agent has a personal interest) insert—
“21ADuty to keep permanent records
(1)A person engaged in estate agency work shall—
(a)keep records for the purposes of this section (“the permanent records”); and
(b)ensure that anything required by subsection (3) to be included in the permanent records is kept for a period of at least six years beginning with the day on which it is included.
(2)In the case of a person engaged in estate agency work in the course of employment the duties under subsection (1) are duties of the employer (and not the employee).
(3)A person engaged in estate agency work shall ensure that a record of any information or event to which this subsection applies is included in the permanent records kept by that person or his employer (as the case may be).
(4)Subsection (3) applies to—
(a)information the person concerned is required to give by section 18(1) or (3) and any prescribed information relating to the giving of that information;
(b)information the person concerned is required to disclose by section 21(1) or (2) and any prescribed information relating to the disclosure of that information;
(c)any offer of a prescribed description received by the person concerned and any prescribed information relating to the making of the offer;
(d)any action of a prescribed description taken by the person concerned in relation to such an offer and any prescribed information relating to that action; and
(e)any other information or event of a prescribed description.
(5)If the person concerned is acting in the course of employment, it is also the duty of the employer to ensure that the record of the information or event is included in the permanent records; but the employer is not to be regarded as having breached his duty if he shows that he took such steps as were reasonably practicable to ensure that the duty under subsection (3) was complied with by his employees.
(6)The Secretary of State may by regulations make provision as to—
(a)the manner in which the permanent records are to be kept;
(b)the place or places at which they are to be kept.
(7)In this section “prescribed” means prescribed by regulations made by the Secretary of State.
(8)Any power to make regulations under this section shall be exercisable by statutory instrument which shall be subject to annulment in pursuance of a resolution of either House of Parliament.”
(2)In section 3(1) of that Act (grounds for making prohibition orders), in paragraph (c), for “21” substitute “ 21A ”.
Valid from 01/10/2008
Prohibition and warning ordersU.K.
55Grounds for prohibition ordersU.K.
(1)Section 3(1) of the Estate Agents Act 1979 (c. 38) (grounds for making prohibition orders) is amended as follows.
(2)In paragraph (a), for “has been convicted of” substitute “ has committed ”.
(3)After paragraph (b) insert—
“(ba)has failed to comply with an undertaking accepted from him under section 217, 218 or 219 of the Enterprise Act 2002 and given in relation to estate agency work; or
(bb)has failed to comply with an enforcement order under section 217 of the Enterprise Act 2002 which was made against him in relation to estate agency work; or”.
(4)Section 5(4) of that Act (which provides for section 3 orders based on a person's conviction to cease to have effect when the conviction is spent) is omitted.
(5)For paragraph 1 of Schedule 1 to that Act substitute—
“1A person is not to be treated for the purposes of section 3(1)(a) of this Act as having committed an offence if he has been convicted of that offence and that conviction is to be treated as spent for the purposes of the Rehabilitation of Offenders Act 1974 or any corresponding enactment for the time being in force in Northern Ireland.”
56Grounds for warning ordersU.K.
(1)Section 4 of the Estate Agents Act 1979 (warning orders) is amended as follows.
(2)For subsection (1) substitute—
“(1)If the OFT is satisfied that any of subsections (1A), (1B) or (1C) apply in relation to a person it may by order notify that person that it is satisfied of the matters mentioned in that subsection.
(1A)This subsection applies in relation to a person if—
(a)in the course of estate agency work, he has engaged in conduct falling within paragraph (a), (b), (c), (ca) or (cb) of section 3(1); and
(b)were he to engage again in any conduct falling within that paragraph, the OFT would consider him unfit and proceed to make a prohibition order.
(1B)This subsection applies in relation to a person if—
(a)in the course of estate agency work, he has engaged in conduct constituting a failure to comply with—
(i)an undertaking mentioned in section 3(1)(ba); or
(ii)an enforcement order mentioned in section 3(1)(bb); and
(b)were he to fail again to comply with that undertaking or order by engaging in the same or similar conduct, the OFT would consider him unfit and proceed to make a prohibition order.
(1C)This subsection applies in relation to a person if—
(a)in the course of estate agency work, he has engaged in a practice mentioned in section 3(1)(d); and
(b)were he to engage again in that practice, the OFT would consider him unfit and proceed to make a prohibition order.”
(3)In subsection (2) for the words from “a further” to “order” (in the second place it appears) substitute “ further conduct as mentioned in subsection (1A)(b) or (1B)(b) or engaging again in the practice specified in the order, as the case may be, ”.
(4)In subsection (3) for the words from “fails to comply” to “order” (in the second place it appears) substitute “ engages in further conduct as mentioned in subsection (1A)(b) or (1B)(b) or engages again in the practice specified in the order, as the case may be, ”.
(5)After subsection (3) insert—
“(4)In this section “unfit” means unfit as mentioned in subsection (2) of section 3 and “prohibition order” means an order under that section.”
Valid from 01/10/2008
Investigatory powersU.K.
57Powers of entry and inspectionU.K.
(1)Section 11 of the Estate Agents Act 1979 (c. 38) (powers of entry and inspection) is amended as follows.
(2)For subsection (1) substitute—
“(1)If a duly authorised officer of an enforcement authority (“an officer”) has reasonable cause to suspect—
(a)that an offence has been committed under this Act;
(b)that a person has failed to comply with an obligation imposed on him under any of sections 15 and 18 to 21A; or
(c)that a person has engaged in a practice mentioned in section 3(1)(d);
he may, in order to ascertain whether the offence has been committed, whether the person has failed to comply with the obligation or whether the person has engaged in the practice (as the case may be), exercise any power specified in subsection (1A).
(1A)The powers are—
(a)to enter any premises (other than premises used only as a dwelling);
(b)to require—
(i)any person carrying on, or employed in connection with, a business to produce any books or document relating to it, or
(ii)any person having control of any information relating to a business which is stored in any electronic form to produce the information in a form in which it can be taken away and in which it is visible and legible (or from which it can readily be produced in a visible and legible form);
(c)to take copies of, or of any entry in, any books or documents produced or provided in pursuance of a requirement imposed under paragraph (b).
(1B)An officer may seize and detain any books or documents which he has reason to believe may be required as evidence—
(a)in proceedings for an offence under this Act; or
(b)in proceedings under any of sections 3, 4, 6 or 7 relating to an allegation—
(i)that an offence has been committed under this Act;
(ii)that a person has failed to comply with an obligation imposed on him under any of sections 15 and 18 to 21A; or
(iii)that a person has engaged in a practice mentioned in section 3(1)(d).
(1C)If it is not reasonably practicable to exercise any power under subsection (1A)(c) to take a copy of, or of any entry in, a book or document, an officer may seize and detain the book or document for the purpose of inspecting it (or any entry in it).
(1D)A book or document which is seized in exercise of the power under subsection (1C) must be returned to the person from whom it was seized unless an officer has reason to believe that the book or document may be required as evidence in any proceedings mentioned in subsection (1B).
(1E)Any power conferred by subsection (1) to (1C) may be exercised at all reasonable hours.
(1F)An officer exercising any such power must, if required, produce his credentials.”
(3)For subsection (4) substitute—
“(4)An appropriate judicial officer may, by warrant under his hand, authorise an officer of an enforcement authority to enter any premises, by force if need be, if on sworn information in writing or, in Scotland, on evidence on oath the appropriate judicial officer—
(a)is satisfied that there is reasonable ground to believe that either of the conditions in subsection (4A) applies; and
(b)is also satisfied that at least one of the conditions in subsection (4B) applies.
(4A)The conditions in this subsection are—
(a)that any books or documents which a duly authorised officer has power to inspect under this section are on the premises and their inspection is likely to disclose evidence—
(i)that an offence has been committed under this Act;
(ii)that a person has failed to comply with an obligation imposed on him under any of sections 15 and 18 to 21A; or
(iii)that a person has engaged in a practice mentioned in section 3(1)(d);
(b)that an offence under this Act has been, is being or is about to be committed on the premises.
(4B)The conditions in this subsection are—
(a)that admission to the premises has been or is likely to be refused and that notice of intention to apply for a warrant under subsection (4) has been given to the occupier;
(b)that an application for admission, or the giving of such a notice of intention, would defeat the object of the entry;
(c)that the premises are unoccupied;
(d)that the occupier is temporarily absent and it might defeat the object of the entry to wait for his return.
(4C)A warrant issued under subsection (4) shall continue in force for a period of one month.
(4D)In subsection (4) “appropriate judicial officer” means—
(a)in England and Wales, a justice of the peace;
(b)in Scotland, the sheriff or a justice of the peace;
(c)in Northern Ireland, a lay magistrate.”
58Failure to produce informationU.K.
(1)After section 11 of the Estate Agents Act 1979 (c. 38) (powers of entry and inspection) insert—
“11AFailure to produce information
(1)If on an application made by a duly authorised officer of an enforcement authority it appears to the court that a person (“the defaulter”) has failed to do something that he is required to do by virtue of section 9(1) or 11(1A)(b) the court may make an order under this section.
(2)An order under this section may require the defaulter—
(a)to do the thing that it appears he failed to do within such period as may be specified in the order;
(b)otherwise to take such steps to remedy the consequences of the failure as may be so specified.
(3)If the defaulter is a body corporate, a partnership or an unincorporated association, the order may require any officer who is (wholly or partly) responsible for the failure to meet such costs of the application as are specified in the order.
(4)In this section—
“court” means—
(a)
in England and Wales and Northern Ireland, the High Court or a county court;
(b)
in Scotland, the Court of Session or the sheriff;
“officer” means—
(a)
in relation to a body corporate, a person holding a position of director, manager or secretary of the body or any similar position;
(b)
in relation to a partnership or an unincorporated association, a member of the partnership or association.
(5)In subsection (4) “director” means, in relation to a body corporate whose affairs are managed by its members, a member of the body.”
(2)In section 3(1) of that Act (grounds for making prohibition orders), after paragraph (ca) (inserted by section 53(2)) insert—
“(cb)has failed to comply with any requirement imposed on him under section 9(1) or 11(1A)(b) below; or”.
(3)In section 9 of that Act (information for the OFT), in subsection (4)—
(a)omit paragraph (a); and
(b)in paragraph (b) for “such a notice” substitute “ a notice under this section ”.
(4)In section 27 of that Act (obstruction and personation of authorised officers)—
(a)in subsection (1)—
(i)omit paragraph (b); and
(ii)in paragraph (c) for “other” substitute “ any ”; and
(b)after subsection (1) insert—
“(1A)A failure to give assistance or information shall not constitute an offence under subsection (1)(c) if it is also a failure in relation to which an authorised officer may apply for an order under section 11A above.”
Part 4 U.K.Miscellaneous and general
Contracts concluded away from business premisesU.K.
59Contracts concluded away from business premisesU.K.
(1)The Secretary of State may make regulations entitling a consumer who is a party to a protected contract to cancel the contract.
(2)A protected contract is a contract between a consumer and a trader which is for the supply of goods or services to the consumer by a trader and is made—
(a)during a solicited visit by a trader to the consumer's home or place of work, or to the home of another individual, or
(b)after an offer made by the consumer during such a visit.
(3)A visit is solicited if it is made at the express request of the consumer.
(4)Regulations made under this section may make any provision which may be made by regulations under section 2(2) of the European Communities Act 1972 (c. 68) (by virtue of section 2(4) of that Act).
(5)The regulations may in particular make provision—
(a)as to the circumstances in which the consumer may cancel the contract and the effect of such a cancellation;
(b)requiring the trader to inform the consumer of the matters within paragraph (a);
(c)for the enforcement of any requirement imposed by virtue of paragraph (b).
(6)For the purposes of this section, “consumer” and “trader” in relation to a contract have the same meaning as they have for the purposes of the relevant Directive in relation to transactions within that Directive.
(7)“The relevant Directive” means—
(a)Council Directive 85/577/EEC to protect the consumer in respect of contracts negotiated away from business premises, as it has effect from time to time, or
(b)if that Directive is repealed and re-enacted (with or without modification), that Directive as re-enacted.
Subordinate legislationU.K.
60Orders and regulationsU.K.
(1)An order or regulations under this Act must be made by statutory instrument.
(2)The Statutory Instruments Act 1946 (c. 36) is to apply in relation to any power of a regulator to make regulations under section 43 or 46 as if the regulator were a Minister of the Crown.
(3)Any order or regulations under this Act may—
(a)make provision generally or subject to exceptions or in relation to specified cases or descriptions of case;
(b)make different provision for different cases or circumstances or for different purposes;
(c)provide for a person to exercise a discretion in dealing with any matter;
(d)make incidental, supplementary, consequential, transitory and transitional provision and savings.
(4)A provision of this Act which permits regulations or orders to make provision of a specified kind is without prejudice to the generality of subsection (3).
(5)In the case of an order or regulations made by the Secretary of State, the provision which may be made by virtue of subsection (3)(d) includes provision modifying any provision made by or under any enactment.
(6)For this purpose—
(7)Nothing in this section authorises an order or regulations under this Act to make provision which would be within the legislative competence of the Scottish Parliament if it were contained in an Act of that Parliament.
(8)The Documentary Evidence Act 1868 (c. 37) (proof of order and regulations etc) has effect as if—
(a)the regulators were included in column 1 of the Schedule to that Act, and
(b)the entry in column 2 of that Schedule corresponding to each regulator mentioned the regulator and persons authorised to act on the regulator's behalf.
(9)Nothing in this section applies in relation to a court order under section 26.
(10)In this section “regulator” means—
(a)the Gas and Electricity Markets Authority, or
(b)the Postal Services Commission.
61DirectionsU.K.
(1)A requirement or power under this Act to give a notice (or to notify) is a requirement or power to give notice in writing.
(2)A requirement or power under this Act to give a direction (or to direct) is a requirement or power to give a direction in writing.
(3)Any power conferred by this Act to give a direction includes power to vary or revoke the direction.
62Parliamentary control of orders and regulationsU.K.
(1)Any instrument to which this subsection applies is subject to annulment in pursuance of a resolution of either House of Parliament.
(2)Subsection (1) applies to any order or regulations made by the Secretary of State under any provision of this Act except—
(a)an order or regulations to which subsection (3) applies, or
(b)an order under section 66 (commencement).
(3)An order or regulations containing (whether alone or with other provision) provision made under or by virtue of any of the following provisions may not be made unless a draft of the order or regulations has been laid before, and approved by a resolution of, each House of Parliament—
(a)section 4 (“designated consumers”);
(b)section 24(3)(d) (power to specify persons from whom Council may require information);
(c)section 31 (designation of the Consumer Council for Water for abolition);
(d)section 37(1) (conferral of additional functions on the Council);
(e)section 38 (removal of Council's functions in relation to Northern Ireland);
(f)section 59 (contracts concluded away from business premises), so far as it enables provision to be made modifying an Act of Parliament;
(g)section 60(5) (consequential provision etc), so far as it enables such provision to be made;
(h)section 63(2) (consequential provision etc), so far as it enables such provision to be made.
(4)In subsection (3), “modify” has the same meaning as in Part 1.
Amendments, transitional provision and repealsU.K.
63Minor, consequential and transitional provisionU.K.
(1)Schedule 7 contains minor and consequential amendments.
(2)The Secretary of State may by order make such consequential, supplementary, incidental, transitory or transitional provision or savings (including provision modifying any provision made by or under an enactment) as the Secretary of State considers necessary or expedient in connection with the coming into force of any provision made by or under this Act.
(3)An order under this section may make such adaptations of provisions of this Act brought into force as appear to be necessary or expedient in consequence of other provisions of this Act not yet having come into force.
(4)In this section—
(5)An order under this section may not make provision which would be within the legislative competence of the Scottish Parliament if it were contained in an Act of that Parliament.
64RepealsU.K.
Schedule 8 contains repeals (including repeals of spent provisions).
GeneralU.K.
65ExtentU.K.
(1)Subject to subsections (2) to (6), this Act extends to England and Wales, Scotland and Northern Ireland.
(2)The following provisions extend to England and Wales and Scotland only—
(a)section 13 (investigation of complaints relating to disconnection of gas or electricity);
(b)section 14 (reference of matters to Gas and Electricity Markets Authority);
(c)section 37 (extension of the Council's functions: Great Britain).
(3)Sections 31 to 33 (abolition of Consumer Council for Water) extend to England and Wales only.
(4)Section 43 (standards for handling complaints) extends to Northern Ireland, but only to the extent that it applies to the Postal Services Commission.
(5)Section 47 (membership of redress scheme) extends to Northern Ireland, but only to the extent that it applies in relation to regulated providers (within the meaning of Part 2) holding a licence under Part 2 of the Postal Services Act 2000 (c. 26).
(6)Any amendment or repeal made by this Act has the same extent as the enactment to which it relates.
(7)This section is subject to any provision made under section 38 (removal of the Council's functions in relation to Northern Ireland).
66CommencementU.K.
(1)This section and sections 60 to 62, 65 and 67 come into force on the day this Act is passed.
(2)Subject to that, the provisions of this Act come into force on such day as may be appointed by order of the Secretary of State.
67Short titleU.K.
This Act may be cited as the Consumers, Estate Agents and Redress Act 2007.