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These Regulations amend the Consumer Credit (Agreements) Regulations 1983 (the principal Regulations). They enable documents embodying certain consumer credit agreements regulated by the Consumer Credit Act 1974 (the principal agreements) and embodying, or containing the option of, certain agreements (the subsidiary agreements) relating to contracts of insurance against accident, sickness, unemployment or death or any other contracts in so far as they relate to a guarantee of goods to contain with one exception only the information, statements and signature boxes relating to the principal agreements. The one exception is that it is necessary to include the statement in Form 12 of Part I of Schedule 2 to the principal Regulations of the protection and remedies available to debtors under the Act. As a result it will not be necessary to show a heading, signature box and statements of the protection and remedies available to debtors under the Act in so far as they relate to the subsidiary agreement.
The Regulations provide that statements of the protection and remedies available to debtors under the Act in the case of certain modifying agreements need not be shown together as a whole with information about financial and related particulars in documents embodying regulated consumer credit agreements. The Regulations also amend the heading to modifying agreements in paragraph 1 of Part II of Schedule 8. It matches the heading in paragraph 1 of Part I.
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