متن قانونی زیر را به صورت تخصصی و حقوقی از ابتدا تا انتها  یک خط انگلیسی، یک خط ترجمه، یک خط انگلیسی، یک خط ترجمه فارسی تا پایان متن.services, and (b) the legal position of the consumer when entering or using business premises. The Act provides the following protection io consumers:
 (a) Generally, a business cannot exclude, by contract or by notice, liability for negligence resulting in a consumer's death or personal injury. (b) A contract may not exclude or restrict a business's liability for breach of contract or claim that it may perform the contract in a way substantially different from what was agreed. As a result of this Act for example, a holidaymaker is entitled to be booked into the hotel and resort stipulated in the contract, and the travel company may not unreasonably exclude this right. (c) A manufacturer's guarantee may not exclude or restrict liability for negligence to a consumer which results in loss or damage. (d) The implied conditions in the Sale of Goods Act 1979 (with the exception of condition of title) are similarly available to consumers of goods oblained under hire rental, and similar contracts, and under contracts for work and materials. Clauses excluding these conditions are subject to a test of reasonableness. (e) A business may exclude or restrict liability for negligence (other than death or personal injury), but the clause must be reasonable as between the parties.
 The effect of this Act is that it protects consumers, when buying goods or services, from unreasonable contractual exclusion clauses or terms, and it protects consurners fromn injury to their person or property by the unreasonable negligence of businessmen or their employees. For example, a garage would be liable if its employees were unreasonably negligent and damaged your car. The garage may no longer exclude such liability.
 THE UNFAIR TERMS REGULATIONS
 IN CONSUMER CONTRACT
The European Community Directive on unfair terms in consumer contracts became part of English law on July 1, 1995. Under these rules a consumer, acting outside of his/her business or trade, may challenge any contract made between the consumer and a seller of goods or a supplier of services, which is considered unfair and causes asignificant imbalance to the detriment of the consumer. An action may be started in the courts or through the Office of Fair Trading. Consurner contracts must be written in plain, intelligent English. Contracts produced in small, unreadable type or in legal "gobbledegook' would be regarded as unfair, whether or not the actual content of the contract was fair. The consumer should be given an opportunity to examine all the terms and, if in any doubt, the interpretation most favourable to the consumer should be used. Any contract which is considered to be unfairly weighted againsı a consurner could be judged as invalid. An example of how the regulations may be interpreted would be holiday insurance a policy required any loss or theft to be reported to the police immediately, and you werecamping in a remote area of a foreign country without a police station within a reasonable distance. If the insurance company refused compensation, because of failure to comply with this clause, it could be considered unreasonable and unfair, and invalid,
 CONSUMER CREDIT ACT 1974
This Act covers most aspects of buying and hiring on credit. Any provider of credit who does not comply with the Act will not be able to enforce the debt. The Act concerns itself with "regulated agreements", and therefore it is necessary to know what this term means, and any exemptions that are not covered by the Act. A regulated consumer credit agreement exists when credit not exceeding a prescribed amount is provided for an individual, and it is not an exempt agreement. The meaning of #credit' under the Act is very wide, and covers cash advances or loans, hire-purchase, credit sales, conditional sales, credit cards and the like. There are five exemptions to consumer credit agreerents: e traders who grant normal trade credit are exempt. It is normal in trade for trade customers tO pay all the credit transactions of the period (usualy month) by one payment; (ii) agreements involving low- A cost credit are exempt, provided that nO supplier iS involved and the agreement is solely between a debtor and a creditor. The charge for credit must not exceed 13 per cent., or the Bank of England Minimum Lending Rate Plus per cent., if this is higher than 13 per cent. An example of a debtor and creditor agreement would be between a bank and a customner, where the customer may spend the loan anywhere or anyway he chooses; (iii) finance for foreign trade; (iv) loans for land transactions which are settled in four instalrents or less; (v) mortgages. The Act requires traders to show the true cost of credit, and all advertisements, whether in shop windows or in the mass media, must show the A.P.R. This means the Annual Percentage Rate of the total charge for credit. Consumers can easily see which traders are giving the lowest terms of credit,as it includes all costs that the consumer will have to pay.
 1. The Agreement
The debtor must be made aware of all the regulations as required by the Act. An agreement would be unenforceable without this requirement, or if it was not made in the following way:
 (a) in writing, (b) containing all the express terms in legible form with no small print, (c) complying with the provisions of the Act as to form and content, (d) signed by the debtor and creditor, or their representatives.
 A copy of the agreement must be given to the customer immediately if signed by the creditor, or, if not signed, it must be sent within seven days of the date of the agreement