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The Consumer Credit Act 2006 (Commencement No. 4 and Transitional Provisions) Order 2008
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3. The condition is that at the time the agreement is entered into less than 40% of the land is used, or is intended to be used, as or in connection with a dwelling—
(a)by the debtor or a person connected with the debtor, or
(b)in the case of credit provided to trustees, by an individual who is the beneficiary of the trust or a person connected with such an individual.
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