Source: http://www.legislation.gov.uk/ukpga/1974/39/part/XII?timeline=true
Timestamp: 2013-05-25 18:35:15
Document Index: 37818524

Matched Legal Cases: ['art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 2', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 2', 'art. 2', 'art. 2', 'art. 2', 'art. 4', 'art. 2', 'art. 3', 'art. 3', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 176', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 3', 'art. 176', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 3', 'art. 176', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 3', 'art. 4', 'art. 4', 'art. 4', 'art. 2', 'art. 3', 'art. 3', 'art. 2', 'art. 2', 'art. 3', 'art. 3', 'art. 2', 'art. 3', 'art. 177190', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 2', 'art. 3', 'art. 3', 'art. 2', 'art. 3', 'art. 11']

Alternative versions:01/02/1991 - Amendment25/09/1991 - Amendment01/12/1991 - Amendment01/04/1992 - Amendment01/08/1993 - Amendment01/01/1994 - Amendment06/01/1994 - Amendment31/10/1994 - Amendment01/07/1995 - Amendment01/04/1996 - Amendment10/06/1996 - Amendment01/06/1998 - Amendment01/12/2001 - Amendment21/12/2001 - Amendment01/04/2003 - Amendment20/06/2003 - Amendment13/10/2003 - Amendment31/12/2004 - Amendment05/12/2005 - Amendment01/04/2006 - Amendment16/06/2006 - Amendment06/04/2007 - Amendment01/12/2007 - Amendment06/04/2008 - Amendment01/10/2008 - Amendment31/10/2008 - Amendment01/09/2009 - Amendment30/04/2010 - Amendment01/02/2011 - AmendmentChanges to legislation:There are outstanding changes not yet made by the legislation.gov.uk editorial team to Consumer Credit Act 1974. Any changes that have already been made by the team appear in the content and are referenced with annotations.Changes to LegislationRevised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the ‘Changes to Legislation’ area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the legislation in the affected provisions. Use the ‘more’ link to open the changes and effects relevant to the provision you are viewing.Changes and effects yet to be applied to the whole Act, associated Parts and Chapters:Changes and effectsThis section lists the changes and effects yet to be applied to the whole Act, associated Parts and Chapters where applicable. This includes any insertions of whole new Parts, Chapters or provisions yet to be inserted into this Act. These effects are included in this view as they may be (but won’t necessarily be) relevant to the specific provision that you are viewing.Act power to amend conferred by 2011 c. 16 s. 30(1)Whole provisions yet to be inserted into this Act (including any effects on those provisions):s. 95B inserted by 2011 c. 16 s. 29(2) Part XII E+W+S+N.I. Supplemental174 Restrictions on disclosure of information.E+W+S+N.I.F1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F1S. 174 repealed (20.6.2003) by Enterprise Act 2002 (c. 40), ss. 247(d), 278, 279, Sch. 26; S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10)[F2174APowers to require provision of information or documents etc.E+W+S+N.I.(1)Every power conferred on a relevant authority by or under this Act (however expressed) to require the provision or production of information or documents includes the power—
(b)an officer of the OFT or of an enforcement authority (other than the OFT).]
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F2S. 174A inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {51(5)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2175 Duty of persons deemed to be agents.E+W+S+N.I.Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under a regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith.
176 Service of documents.E+W+S+N.I.(1)A document to be served under this Act by one person ( “the server ”) on another person ( “the subject ”) is to be treated as properly served on the subject if dealt with as mentioned in the following subsections.
(2)The document may be delivered or sent [F3by an appropriate method] to the subject, or addressed to him by name and left at his proper address.
(4)Where the document is to be served on the subject as being the person having any interest in land, and it is not practicable after reasonable inquiry to ascertain the subject’s name or address, the document may be served by—
(a)addressing it to the subject by the description of the person having that interest in the land (naming it), and
(b)delivering the document to some responsible person on the land or affixing it, or a copy of it, in a conspicuous position on the land.
(5)Where a document to be served on the subject as being a debtor, hirer or surety, or as having any other capacity relevant for the purposes of this Act, is served at any time on another person who—
(a)is the person last known to the server as having that capacity, but
(b)before that time had ceased to have it,
the document shall be treated as having been served at that time on the subject.
(6)Anything done to a document in relation to a person who (whether to the knowledge of the server or not) has died shall be treated for the purposes of subsection (5) as service of the document on that person if it would have been so treated had he not died.
[F4(7)The following enactments shall not be construed as authorising service on the Public Trustee (in England and Wales) or the Probate Judge (in Northern Ireland) of any document which is to be served under this Act—
section 3 of the Administration of Estates Act (Northern Ireland) 1955.]
(8)References in the preceding subsections to the serving of a document on a person include the giving of the document to that person.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F3Words in s. 176(2) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(6)F4S. 176(7) substituted (1.7.1995) by 1994 c. 36, s. 21(1), Sch. 1 para. 6 (with s. 20); S.I. 1995/1317, art. 3[F5176AElectronic transmission of documentsE+W+S+N.I. (1)A document is transmitted in accordance with this subsection if–
(2)A document transmitted in accordance with subsection (1) shall, unless the contrary is proved, be treated for the purposes of this Act, except section 69, as having been delivered on the working day immediately following the day on which it is transmitted.
(3)In this section, “electronic address” includes any number or address used for the purposes of receiving electronic communications.]
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F5S. 176A inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(7)177 Saving for registered charges.E+W+S+N.I.(1)Nothing in this Act affects the rights of a proprietor of a registered charge (within the meaning of the [F6Land Registration Act 2002]), who—
(3)Subsection (1) does not apply to a proprietor carrying on [F7a consumer credit business, a consumer hire business or a business of debt-collecting or debt administration] .
(3)Subsection (1) does not apply to a creditor carrying on [F7a consumer credit business, a consumer hire business or a business of debt-collecting or debt administration] .”.
(a)any reference to the proprietor of a registered charge (within the meaning of the [F6Land Registration Act 2002]) shall be construed as a reference to the registered owner of a charge under the M2Local Registration of Title (Ireland) Act 1891 or Part IV of the M3Land Registration Act (Northern Ireland) 1970, and
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F6Words in s. 177(1)(6) substituted (13.10.2003) by Land Registration Act 2002 (c. 9), ss. 126, 136(2), Sch. 11 para. 11; S.I. 2003/1725, art. 2F7Words in s. 177(3)(5) substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {24(5)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3Marginal CitationsM11925 c. 20. M21891 c. 66. M31970 c. 18 (N.I.) M41925 c. 20. M51881 c. 41. M61911 c. 37. 178 Local Acts.E+W+S+N.I.The Secretary of State or the Department of Commerce for Northern Ireland may by order make such amendments or repeals of any provision of any local Act as appears to the Secretary of State or, as the case may be, the Department, necessary or expedient in consequence of the replacement by this Act of the enactments relating to pawnbrokers and moneylenders.
Regulations, orders, etc.E+W+S+N.I.179 Power to prescribe form etc. of secondary documents.E+W+S+N.I.(1)Regulations may be made as to the form and content of credit-cards, trading-checks, receipts, vouchers and other documents or things issued by creditors, owners or suppliers under or in connection with regulated agreements or by other persons in connection with linked transactions, and may in particular—
181 Power to alter monetary limits etc.E+W+S+N.I.(1)The Secretary of State may by order made by statutory instrument amend, or further amend, any of the following provisions of this Act so as to reduce or increase a sum mentioned in that provision, namely, sections [F816B(1)] , 17(1), F9. . . [F1039A(3),] 70(6), 75(3)(b), 77(1), 78(1), 79(1), 84(1), 101(7)(a), 107(1), 108(1), 109(1), 110(1), 118(1)(b), 120(1)(a), F9. . . [F11140B(6),] 155(1) and 158(1).
(2)An order under subsection (1) amending section [F816B(1)] , 17(1), F12. . . [F1339A(3),] 75(3)(b) F12. . . [F14or 140B(6)] shall be of no effect unless a draft of the order has been laid before and approved by each House of Parliament.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F8Words in s. 181(1)(2) substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {5(7)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F9Words in s. 181(1) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 15(5)); S.I. 2007/3300, art. 3(2), Sch. 2F10Words in s. 181(1) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {53(3)(a)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F11Words in s. 181(1) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(4)(a)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2F12Words in s. 181(2) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 15(5)); S.I. 2007/3300, art. 3(2), Sch. 2F13Words in s. 181(2) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {53(3)(b)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F14Words in s. 181(2) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(4)(b)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2182 Regulations and orders.E+W+S+N.I.(1)Any power of the Secretary of State to make regulations or orders under this Act, except the power conferred by sections 2(1)(a), 181 and 192 shall be exercisable by statutory instrument subject to annulment in pursuance of a resolution of either House of Parliament.
(2)Where a power to make regulations or orders F16. . . is exercisable by the Secretary of State F17. . . by virtue of this Act, regulations or orders F16. . . made in the exercise of that power may—
(c)contain such transitional provisions as the [F18Secretary of State] thinks fit.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F15S. 182(1A) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(a) (with Sch. 4)F16Words in s. 182(2) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(b)(i) (with Sch. 4)F17Words in s. 182(2) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(b)(ii) (with Sch. 4)F18Words in s. 182(2)(c) substituted (1.9.2009) by The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(b)(iii) (with Sch. 4)F19183 Determinations etc. by OFT.E+W+S+N.I.(1)The OFT may vary or revoke any determination made, or direction given, by it under this Act.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F19S. 183 substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 64, 68; S.I. 2007/3300, art. 3(2), Sch. 2 InterpretationE+W+S+N.I.184 Associates.E+W+S+N.I.[F20(1)A person is an associate of an individual if that person is—
(2)A person is an associate of any person with whom he is in partnership, and of the husband or wife [F21or civil partner] or a relative of any individual with whom he is in partnership.
(4)A body corporate is an associate of another person if that person is a controller of it or if that person and persons who are his associates together are controllers of it.
(5)In this section “relative ” means brother, sister, uncle, aunt, nephew, niece, lineal ancestor or lineal descendant, F22. . . references to a husband [F23or wife, and references to a civil partner include a former civil partner [F24and a reputed civil partner];] include a former husband or wife and a reputed husband or wife; and for the purposes of this subsection a relationship shall be established as if any illegitimate child, step-child or adopted child of a person [F25were the legitimate child of the relationship in question] .
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F20S. 184(1) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(2); S.I. 2005/3175, art. 2(2)-(5)F21Words in s. 184(2) inserted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(3); S.I. 2005/3175, art. 2(2)-(5)F22Word in s. 184(5) repealed (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1)(4), Sch. 27 para. 51(4)(a), Sch. 30; S.I. 2005/3175, art. 2(2)-(5)F23Words in s. 184(5) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(4)(b); S.I. 2005/3175, art. 2(2)-(5)F24Words in s. 184(5) inserted (5.12.2005) by The Civil Partnership Act 2004 (Overseas Relationships and Consequential, etc. Amendments) Order 2005 (S.I. 2005/3129), art. 4(4), Sch. 4 para. 2F25Words in s. 184(5) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(4)(c); S.I. 2005/3175, art. 2(2)-(5)185 Agreement with more than one debtor or hirer.E+W+S+N.I.(1)Where an actual or prospective regulated agreement has two or more debtors or hirers (not being a partnership or an unincorporated body of persons)—
[F26(1A)Notwithstanding subsection (1) above, subsection (4) of section 55A (pre-contractual explanations etc) does not require an oral explanation to be given to any debtor to whom an explanation of the matters referred to in subsection (2)(a), (b) and (e) of that section has not been given orally or in person.]
[F27(2)Notwithstanding subsection (1)(a), where credit is provided under an agreement to two or more debtors jointly, in performing his duties—
(3)Subsection (1)(b) does not apply for the purposes of section 61(1)(a) F28. . . .
(b)one or more of them is [F29not an individual] ,
is a consumer credit agreement or consumer hire agreement if it would have been one had they all been individuals; and [F30each person within paragraph (b)] shall accordingly be included among the debtors or hirers under the agreement.
(6)Where subsection (5) applies, references in this Act to the signing of any document by the debtor or hirer shall be construed in relation to a body corporate [F31within paragraph (b) of that subsection] as referring to a signing on behalf of the body corporate.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F26S. 185(1A) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 4, 99(1) (with regs. 100, 101)F27S. 185(2)-(2D) substituted (1.10.2008) for s. 185(2) by Consumer Credit Act 2006 (c. 14), ss. {7(3)}, 71(2) (with Sch. 3 para. 4); S.I. 2007/3300, art. 3(3), Sch. 3F28Words in s. 185(3) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2F29Words in s. 185(5)(b) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(8)(a)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))F30Words in s. 185(5) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(8)(b)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))F31Words in s. 185(6) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(9)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))186 Agreement with more than one creditor or owner.E+W+S+N.I.Where an actual or prospective regulated agreement has two or more creditors or owners, anything required by or under this Act to be done to, or in relation to, or by, the creditor or owner shall be effective if done to, or in relation to, or by, any one of them.
187 Arrangements between creditor and supplier.E+W+S+N.I.(1)A consumer credit agreement shall be treated as entered into under pre-existing arrangements between a creditor and a supplier if it is entered into in accordance with, or in furtherance of, arrangements previously made between persons mentioned in subsection (4)(a), (b) or (c).
[F32(3A)Arrangements shall also be disregarded for the purposes of subsections (1) and (2) if they are arrangements for the electronic transfer of funds from a current account at a bank within the meaning of the Bankers’ Books Evidence Act 1879.]
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F32S. 187(3A) inserted by Banking Act 1987 (c. 22, SIF 10), s. 89[F33187ADefinition of ‘default sum’E+W+S+N.I.(1)In this Act ‘default sum’ means, in relation to the debtor or hirer under a regulated agreement, a sum (other than a sum of interest) which is payable by him under the agreement in connection with a breach of the agreement by him.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F33S. 187A inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {18(1)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1188 Examples of use of new terminology.E+W+S+N.I.(1)Schedule 2 shall have effect for illustrating the use of terminology employed in this Act.
(4)The Secretary of State may by order amend Schedule 2 by adding further examples or in any other way.
189 Definitions.E+W+S+N.I.(1)In this Act, unless the context otherwise requires—
“appeal period ” means the period beginning on the first day on which an appeal to the [F34First-tier Tribunal] may be brought and ending on the last day on which it may be brought or, if it is brought, ending on its final determination, or abandonment;
[F35“appropriate method” means–
[F36“authorised business overdraft agreement” means a debtor-creditor agreement which provides authorisation in advance for the debtor to overdraw on a current account, where the agreement is entered into by the debtor wholly or predominantly for the purposes of the debtor's business (see subsection (2A));
“bill of sale ” has the meaning given by section 4 of the M7Bills of Sale Act 1878 or, for Northern Ireland, by section 4 of the M8Bills of Sale (Ireland) Act 1879; [F38 “building society ” means a building society within the meaning of the Building Societies Act 1986;]
“charity ” means as respects England and Wales a charity registered under the M9Charities Act 1960 or an exempt charity (within the meaning of that Act), [F39as respects] Northern Ireland an institution or other organisation established for charitable purposes only ( “organisation ” including any persons administering a trust and “charitable ” being construed in the same way as if it were contained in the Income Tax Acts) [F40and as respects Scotland a body entered in the Scottish Charity Register];
[F41‘consumer credit business’ means any business being carried on by a person so far as it comprises or relates to—
[F42“consumer hire business” means any business being carried on by a person so far as it comprises or relates to—
F43. . . “court ” means in relation to England and Wales the county court, in relation to Scotland the sheriff court and in relation to Northern Ireland the High Court or the county court;
[F44‘credit information services’ has the meaning given by section 145(7B).]
[F45“credit intermediary” has the meaning given by section 160A;]
[F46‘debt administration’ has the meaning given by section 145(7A);]
[F47‘default sum’ has the meaning given by section 187A;]
“deposit ” means [F48(except in section 16(10) and 25(1B))]any sum payable by a debtor or hirer by way of deposit or down-payment, or credited or to be credited to him on account of any deposit or down-payment, whether the sum is to be or has been paid to the creditor or owner or any other person, or is to be or has been discharged by a payment of money or a transfer or delivery of goods or by any other means;
[F49‘documents’ includes information recorded in any form;]
“electric line ” has the meaning given by [F51the Electricity Act 1989] or, for Northern Ireland, the M10Electricity Supply (Northern Ireland) Order 1972;
[F52“electronic communication” means an electronic communication within the meaning of the Electronic Communications Act 2000 (c. 7)“]
“exempt agreement ” means an agreement specified in or under section 16 [F53, 16A [F54, 16B or 16C]];
“friendly society ” means a society registered [F55or treated as registered under the Friendly Societies Act 1974 or the Friendly Societies Act 1992] or a society within the meaning of the M11Friendly Societies Act (Northern Ireland) 1970;
“general notice ” means a notice published by the [F56OFT] at a time and in a manner appearing to [F57it] suitable for securing that the notice is seen within a reasonable time by persons likely to be affected by it;
“give ” means deliver or send [F58by an appropriate method] to;
“goods ” M12 has the meaning given by [F59section 61(1) of the Sale of Goods Act 1979];
[F60“individual” includes—
“land improvement company ” means an improvement company as defined by section 7 of the M13Improvement of Land Act 1899;
“licence ” means a licence under Part III F61. . . ;
“local authority ”, in relation to England F62. . ., means . . . F63, a county council, a London borough council, a district council, the Common Council of the City of London, or the Council of the Isles of Scilly [F64in relation to Wales means a county council or a county borough council,], and in relation to Scotland, means a [F65council constituted under section 2 of the Local Government etc. (Scotland) Act 1994], and, in relation to Northern Ireland, means a district council;
[F66“OFT” means the Office of Fair Trading;]
[F67“open-end” in relation to a consumer credit agreement, means of no fixed duration;]
F68. . . “pledge ” means the pawnee’s rights over an article taken in pawn;
“register ” means the register kept by the [F69OFT] under section 35;
“rules of court ”, in relation to Northern Ireland means, in relation to the High Court, rules made under section 7 of the M14Northern Ireland Act 1962, and, in relation to any other court, rules made by the authority having for the time being power to make rules regulating the practice and procedure in that court;
“serve on ” means deliver or send [F58by an appropriate method] to;
(c)a bank holiday within the meaning given by section 1 of the M15Banking and Financial Dealings Act 1971.
[F71(1A)In sections 36E(3), 70(4), 73(4) and 75(2) F72. . . ‘costs’, in relation to proceedings in Scotland, means expenses.]
[F73(2A)For the purpose of the definitions of “authorised business overdraft agreement” and “authorised non-business overdraft agreement” subsections (2) to (5) of section 16B (declaration by the debtor as to the purposes of the agreement) apply.]
(5)An application dismissed by the court or the [F74OFT] shall, if the court or the [F74OFT](as the case may be) so certifies, be taken to be dismissed on technical grounds only.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F34S. 189(1): words in definition of "appeal period" substituted (1.9.2009) by The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 8(a)(i) (with Sch. 4)F35S. 189(1): definition of "appropriate method" inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(8)F36S. 189(1): definitions of "authorised business overdraft agreement" and "authorised non-business overdraft agreement" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 19(2), 99(2)(a) (with regs. 100, 101)F37S. 189(1): definitions repealed (1.12.2001) by S.I. 2001/3649, art. 176(a)F38Definition of “building society ” substituted by Building Societies Act 1986 (c. 53, SIF 16), s. 120, Sch. 18 para. 10(4)F39S. 189(1): words in definition of "charity" substituted (1.4.2006) by The Charities and Trustee Investment (Scotland) Act 2005 (Consequential Provisions and Modifications) Order 2006 (S.I. 2006/242), arts. 1(3), 5, Sch. para. 1(a)F40S. 189(1): words in definition of "charity" inserted (1.4.2006) by The Charities and Trustee Investment (Scotland) Act 2005 (Consequential Provisions and Modifications) Order 2006 (S.I. 2006/242), arts. 1(3), 5, Sch. para. 1(b)F41S. 189(1): definition of "consumer credit business" substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {23(a)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F42S. 189(1): definition of "consumer hire business" substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {23(b)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F43S. 189(1): definition of "costs" repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2F44S. 189(1): definition of "credit information services" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {25(5)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1F45S. 189(1): definition of "credit intermediary" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 42, 99(2)(d) (with regs. 100, 101)F46S. 189(1): definition of "debt administration" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {24(6)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1F47S. 189(1): definition of "default sum" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {18(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1F48S. 189(1): words in definition of “deposit ” inserted (1.12.2001) by S.I. 2001/3649, art. 176(b)F49S. 189(1): definition of "documents" inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {51(6)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F50S. 189(1): definition of "Director" repealed (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(i), Sch. 26; S.I. 2003/766, art. 2, Sch. (with art. 3)F51Words “the Electricity Act 1989 ” substituted (E.W.S.) for “the Electric Lighting Act 1882 ” by Electricity Act 1989 (c. 29, SIF 44:1), s. 112(1)(3), Sch. 16 para. 17(1)(3), Sch. 17 paras. 33, 35(1)F52S. 189(1): definition of "electronic communication" inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(8)F53S. 189(1): words in definition of "exempt agreement" inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {5(10)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F54S. 189(1): words in definition of "exempt agreement" substituted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826) {art. 3(4)}F55S. 189(1): words in definition of “friendly society ” substituted (1.12.2001) by S.I. 2001/3649, art. 176(c)F56S. 189(1): word in definition of "general notice" substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(ii); S.I. 2003/766, art. 2, Sch. (with art. 3)F57S. 189(1): word in definition of "general notice" substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(ii); S.I. 2003/766, art. 2, Sch. (with art. 3)F58Words in s. 189(1) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(9)F59Words substituted by Sale of Goods Act 1979 (c. 54, SIF 109:1), s. 63, Sch. 2 para. 18F60S. 189(1): definition of "individual" substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {1}, 71(2) (with Sch. 3 paras. 17, 29); S.I. 2007/123, art. 3(2), Sch. 2 (with transitional provisions in arts. 4, 5)F61S. 189(1): words in definition of "licence" repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2F62Words in s. 189(1) repealed (E.W) (1.4.1996) by 1994 c. 19, s. 66(6)(8), Sch. 16 para. 45, Sch. 18 (with ss. 54(5)(7), 55(5)); S.I. 1996/396, art. 4, Sch. 2F63Words repealed by Local Government Act 1985 (c. 51, SIF 81:1), s. 102, Sch. 17F64Words in s. 189(1) inserted (E.W)(1.4.1996) by 1994 c. 19, s.66(6)(8), Sch. 16 para. 45 (with ss. 54(5)(7), 55(5)); S.I. 1996/396, art. 4, Sch. 2F65Words in s. 189(1) substituted (S.) (1.4.1996) by 1994 c. 39, s. 180(1), Sch. 13 para. 94; S.I. 1996/323, art. 4(1)F66S. 189(1): definition of "OFT" inserted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(iii); S.I. 2003/766, art. 2, Sch. (with art. 3)F67S. 189(1): definition of "open-end" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 39, 99(2)(b) (with regs. 100, 101)F68S. 189(1): definition of "personal credit agreement" repealed (6.4.2008 for certain purposes, otherwise 31.10.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2008/831, art. 3(1)(2), Schs. 2, 3 (as amended by S.I. 2008/2444, art. 2)F69S. 189(1): words in definition of "register" substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(iv); S.I. 2003/766, art. 2, Sch. (with art. 3)F70S189: definition of "the Tribunal" omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 8(a)(ii) (with Sch. 4)F71S. 189(1A) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {27(3)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F72Words in s. 189(1A) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 8(b) (with Sch. 4)F73S. 189(2A) inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 19(3), 99(2)(a) (with regs. 100, 101)F74Words in s. 189(5) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(b); S.I. 2003/766, art. 2, Sch. (with art. 3)Marginal CitationsM71878 c. 31. M81879 c. 50. M91960 c. 58. M10S.I. 1972/1072 (N.I.9.) M111970 c. 31. (N.I.) M121894 c. 71 (56 & 57 Vict.). M131899 c. 46. M141962 c. 30. M151971 c. 80. [F75189A Meaning of “consumer credit EEA firm ”E+W+S+N.I.In this Act “consumer credit EEA firm ” means an EEA firm falling within sub-paragraph (a), (b) or (c) of paragraph 5 of Schedule 3 to the Financial Services and Markets Act 2000 carrying on, or seeking to carry on, consumer credit business, consumer hire business or ancillary credit business for which a licence would be required under this Act but for paragraph 15(3) of Schedule 3 to the Financial Services and Markets Act 2000.]
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F75S. 189A inserted (1.12.2001) by S.I. 2001/3649, art. 177190 Financial provisions.E+W+S+N.I.(1)There shall be defrayed out of money provided by Parliament—
(a)all expenses incurred by the Secretary of State in consequence of the provisions of this Act;
(b)any expenses incurred in consequence of those provisions by any other Minister of the Crown or Government department;
(c)any increase attributable to this Act in the sums payable out of money so provided under the M16Superannuation Act 1972 or the M17Fair Trading Act 1973.
(2)Any fees [F76, charges, penalties or other sums] received by the Director under this Act shall be paid into the Consolidated Fund.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F76Words in s. 190(2) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {65}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1Marginal CitationsM161972 c. 11. M171973 c. 41. 191 Special provisions as to Northern Ireland.E+W+S+N.I.(1)The [F77OFT] may make arrangements with the Department of Commerce for Northern Ireland for the Department, on [F78the OFT’s] behalf,—
(a)to receive applications, notices [F79, charges] and fees;
(b)to maintain, and make available for inspection and copying, copies of entries in the register; and
(c)to provide certified copies of entries in the register,
to the extent that seems to [F80the OFT] desirable for the convenience of persons in Northern Ireland.
(2)The [F77OFT] shall give general notice of any arrangements made under subsection (1).
(4)The power of the Department of Commerce for Northern Ireland to make an order under section 178 shall be exercisable by statutory rule for the purposes of the [F81Statutory Rules (Northern Ireland) Order 1979], and any such order shall be subject to negative resolution within the meaning of the M18Interpretation Act (Northern Ireland) 1954 as if it were a statutory instrument within the meaning of that Act.
(6)Section 38 of the M19Interpretation Act 1889 (effect of repeals) shall have the same operation in relation to any repeal by this Act of an enactment of the Parliament of Northern Ireland as it has in relation to the repeal of an Act of the Parliament of the United Kingdom, references in that section of the Act of 1889 to Acts and enactments being construed accordingly.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Amendments (Textual)F77Words in s. 191 substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(39)(a); S.I. 2003/766, art. 2, Sch. (with art. 3); S.I. 2003/766, art. 2, Sch. (with art. 3)F78Words in s. 191(1) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(39)(b); S.I. 2003/766, art. 2, Sch. (with art. 3)F79Word in s. 191(1)(a) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {27(4)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2F80Words in s. 191(1) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(39)(b); S.I. 2003/766, art. 2, Sch. (with art. 3)F81Words substituted by S.I. 1979/1573, art. 11(1), Sch. 4 para. 15Marginal CitationsM181954 c. 33. (N.I.) M191889 c. 63. 192 Transitional and commencement provisions, amendments and repeals.E+W+S+N.I.(1)The provisions of Schedule 3 shall have effect for the purposes of this Act.
Annotations:Annotations are used to give authority for changes and other effects on the legislation you are viewing and to convey editorial information. They appear at the foot of the relevant provision or under the associated heading. Annotations are categorised by annotation type, such as F-notes for textual amendments and I-notes for commencement information (a full list can be found in the Editorial Practice Guide). Each annotation is identified by a sequential reference number. For F-notes, M-notes and X-notes, the number also appears in bold superscript at the relevant location in the text. All annotations contain links to the affecting legislation.Subordinate Legislation MadeP1Power of appointment conferred by s. 192(2) fully exercised: S.I. 1975/2123, 1977/325, 802, 2163, 1980/50, 1983/1551, 1984/436 and 1989/1128P2Power of appointment conferred by s. 192(4) exercised: S.I. 1977/325, 802, 1979/1685, 1980/50, 1981/280, 1983/1551Editorial InformationX1The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.193 Short title and extent.E+W+S+N.I.(1)This Act may be cited as the Consumer Credit Act 1974.