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Consumer credit problems can seriously damage your financial wellbeing and credit rating. Whether you've been mis-sold credit products, faced unfair lending practices, or are struggling with aggressive debt collection, you have important rights under consumer credit legislation.
Consumer Credit Act 1974 Protection:
Mis-sold Financial Products:
Irresponsible Lending:
Debt Collection Abuse:
Section 75 of the Consumer Credit Act provides valuable protection:
FCA Rules on Affordability:
Common Payday Loan Breaches:
Financial Remedies:
Regulatory Action:
Legal Costs:
Typical Resolution Times:
Don't let unfair lending practices or credit disputes damage your financial future. Our consumer credit specialists can help protect your rights and secure appropriate compensation.
This information is for general guidance only and does not constitute legal advice. For specific legal advice tailored to your situation, please consult with a qualified solicitor.
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Find Your SolicitorCommon questions about consumer credit and how our solicitors can help
Section 75 of the Consumer Credit Act makes credit card companies jointly liable with retailers for breach of contract or misrepresentation on purchases between £100-£30,000. This means you can claim against your credit card company if the retailer fails to deliver or provides faulty goods/services.
Most credit agreements have a 14-day cooling-off period during which you can withdraw without penalty. For hire purchase and some other agreements, you may have longer withdrawal periods. After this, you can usually settle early but may face charges.
Document why you believe the loan was unsuitable, gather evidence of the sales process, and complain to the lender first. If unsatisfied, you can refer to the Financial Ombudsman Service. Common mis-selling includes unaffordable lending, inadequate explanations, or adding unsuitable products like PPI.
Debt collectors must follow strict rules about contact times, frequency, and methods. They cannot harass you, make false threats, or contact you at work inappropriately. Complain to the debt collection agency, the original creditor, and consider reporting to the FCA or trading standards.
A credit relationship may be unfair if the terms are excessively harsh, the lender's conduct was unreasonable, or there were problems with associated transactions. Courts can reduce payments, set aside agreements, or order refunds. This applies to high-cost credit like payday loans particularly.
FCA rules limit payday loan rollovers to a maximum of two times. Lenders must also assess affordability properly and cannot encourage further borrowing to customers in financial difficulty. If these rules were broken, you may be able to claim compensation.
You have the right to accurate information on your credit file. If information is incorrect, contact the credit reference agency and the organization that provided the information. They must investigate and correct errors. You can add a notice of correction to explain your side of disputed information.
Chargeback is a scheme run by card networks (Visa, Mastercard) that allows you to reverse transactions in certain circumstances like non-delivery or significantly not as described goods. Contact your card issuer as soon as possible - there are usually time limits of 60-120 days.
BNPL products are regulated differently depending on their structure. Some offer Section 75 protection, others don't. You still have consumer rights for faulty goods. Be aware of payment dates to avoid charges, and check what protection is available before using BNPL services.
Yes, if a lender granted credit without proper affordability assessments or lent to someone obviously unable to repay, you may claim compensation. This can include refund of interest, charges, and potentially writing off remaining debt. The FCA requires responsible lending practices.
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