contract (see above, "The _~cooling off' period: The right to cancel the contract") ow often "continuing disclosure" statements will be sent to you (if they're legally required in the particular case) The format for initial disclosure The information must be written clearly, concisely and in a way likely to bring it to the attention of a reasonable person. (Some model disclosure forms are included in the Credit Contracts and Consumer Finance Regulations 2004 (SR 2004/240) .) It can be made in the form of an email or other electronic communication if: you've consented to it being given to you in this way, and the information is readily accessible so that you can refer to it again if you wish When does initial disclosure have to be made by? You must be given a copy of this information not later than five days after signing the contract. No unreasonable fees Lenders cannot charge unreasonable credit fees or default fees. Re-opening consumer credit contracts that are oppressive The Courts or the Disputes Tribunal can re-open a loan contract, credit sale (hire-purchase agreement) or other consumer credit contract if: the contract is oppressive, harsh, unjustly burdensome, unconscionable, or in breach of reasonable standards of commercial practice, or the lender has exercised, or intends to exercise, a power under the contract in a manner that is oppressive, harsh, unjustly burdensome, unconscionable, or in breach of reasonable standards of commercial practice, or you were induced to enter into the contract by means that were oppressive,