Consumer credit covers a vast area of law and can involve such things as:
- Disputes with creditors/banks/debt collectors
- Overdrafts and bank accounts
- Hire and Hire purchase agreements
- Catalogue purchases, store cards and credit cards
- Loans (both secured and unsecured)
- Section 75 Consumer Credit Act (creditor liability for suppliers breach of contract or misrepresentation)
- Unlawful repossession of protected goods under Hire Purchase agreements.
- Unfair relationships under s140 Consumer Credit Act 1974
- Time orders and debt relief orders
- Telephone harassment by creditors and/or debt collectors
- Default notices and termination of regulated credit agreements
- Data protection and credit reference agency disputes
- Sale of goods and distance selling.
The list above is not exhaustive, but is merely an example of the types of issues that fall within the remit of our consumer credit expertise. We have experience of dealing with all types of consumer credit and debt litigation arising out of regulated credit agreements in the County Courts, High Court and the Court of Appeal.
The Consumer Credit Act 1974 is an extremely complex piece of legislation and dealing with debts which arise out of the 1974 Act can be a very stressful experience. However, we are able to help guide you through the process and aim to make the process as stress free as possible.
Our team also deal with insolvency matters such as setting aside statutory demands issued in relation to debts regulated by the Consumer Credit Act 1974.
If you’re facing litigation from a bank, credit card company or debt collector please contact us on 020 8478 0888 and we’ll arrange for you to have a chat with one of our specialist legal experts who will explain what options are available to you.