Consumer Credit Act 2006
“individual” includes—
In section 8 of the 1974 Act (which defines consumer credit agreements)—
in subsection (1) for “personal” substitute “ consumer ”;
subsection (2) shall cease to have effect.
In section 15(1) of that Act (which defines consumer hire agreements) paragraph (c) and the “and” immediately preceding it shall cease to have effect.
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In section 10 of that Act (running-account credit and fixed-sum credit)—
in subsection (1) for “personal” wherever occurring substitute “ consumer ”;
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for “section 8(2)” substitute “paragraph (a) of section 16B(1)”;
for “subsection” substitute “paragraph”.
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In subsection (1) of section 158 of that Act (duty of credit reference agency to disclose filed information) for paragraph (a) substitute—.
After subsection (4) of that section insert—
In section 181(1) and (2) of that Act (power to alter monetary limits etc.) for “8(2), 15(1)(c)” substitute “ 16B(1) ”.
In subsection (5) of section 185 of that Act (agreement with more than one debtor or hirer)—
in paragraph (b) for “a body corporate” substitute “ not an individual ”;
for “the body corporate or bodies corporate” substitute “ each person within paragraph (b) ”.
In subsection (6) of that section after “a body corporate” insert “ within paragraph (b) of that subsection ”.
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After section 77 of the 1974 Act insert—
In section 78 of the 1974 Act (duty to give information to debtor under running-account credit agreement) after subsection (4) insert—
In subsection (7) of that section for “(4) and (5)” substitute “ (4) to (5) ”.
In section 185 of that Act (agreement with more than one debtor or hirer) for subsection (2) substitute—
At the beginning of Part 7 of the 1974 Act insert—
After section 86A of the 1974 Act (inserted by section 8 of this Act) insert—
After section 86B of the 1974 Act (inserted by section 9 of this Act) insert—
After section 86C of the 1974 Act (inserted by section 10 of this Act) insert—
After section 86D of the 1974 Act (inserted by section 11 of this Act) insert—
After section 86E of the 1974 Act (inserted by section 12 of this Act) insert—
In subsections (2) and (3) of section 88 of the 1974 Act (contents and effect of default notice) for “seven” wherever occurring substitute “ 14 ”.
In subsection (4) of that section after “it” insert “ and any other prescribed matters relating to the agreement ”.
After that subsection insert—
In section 127 of the 1974 Act (enforcement orders in cases of infringement) subsections (3) to (5) shall cease to have effect.
In subsection (1) of section 129 of the 1974 Act (time orders) before paragraph (c) insert—.
After that section insert—
In section 143(b) of that Act (provision which may be made by rules of court in Northern Ireland) after “129(1)(b)” insert “ or (ba) ”.
In section 32(1) of the Sheriff Courts (Scotland) Act 1971 (c. 58) (regulation of civil procedure in sheriff court) after paragraph (l) insert—
In section 32(2B) of the Solicitors (Scotland) Act 1980 (c. 46) (offence for unqualified persons to prepare certain documents)—
after “represent” insert “ —(a) ”;
after “cause” insert—.
After section 130 of the 1974 Act insert—
After section 187 of the 1974 Act insert—
‘default sum’ has the meaning given by section 187A;
After section 140 of the 1974 Act insert—
After section 140A of the 1974 Act (inserted by section 19 of this Act) insert—
After section 140B of the 1974 Act (inserted by section 20 of this Act) insert—
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In section 181 of that Act (power to alter monetary limits etc.)—
in subsection (1) before “155(1)” insert “ 140B(6), ”;
in subsection (2) before “shall” insert “ or 140B(6) ”.
In section 189(1) of the 1974 Act (definitions)—
‘consumer credit business’ means any business being carried on by a person so far as it comprises or relates to— under regulated consumer credit agreements;
“consumer hire business” means any business being carried on by a person so far as it comprises or relates to— under regulated consumer hire agreements;
In subsection (1) of section 145 of the 1974 Act (types of ancillary credit business) for the “or” after paragraph (d) substitute—.
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after “an agreement if” insert “any of the following conditions is satisfied”;
for paragraphs (a) and (b) substitute—;
at the beginning of each of paragraphs (c) to (e) insert “that”.
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In subsection (3) of section 177 of that Act (saving for registered charges) and in the subsection (3) applied by virtue of subsection (5) of that section for “a business of debt-collecting” substitute “ a consumer credit business, a consumer hire business or a business of debt-collecting or debt administration ”.
‘debt administration’ has the meaning given by section 145(7A);
In subsection (1) of section 145 of the 1974 Act (types of ancillary credit business) before paragraph (e) insert—.
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in subsection (2) for “or” substitute “to” and after “liquidation of debts” insert “or to provide credit information services”;
in subsection (3) for “or debt-counselling” substitute “, debt-counselling or the provision of credit information services”;
in subsection (4) after “advertisement” insert “(other than one for credit information services)”.
In each of the following provisions of that Act for “or debt-counselling” substitute “ , debt-counselling or the provision of credit information services ”
section 152(1)(application of sections 52 to 54 to ancillary credit businesses);
section 154 (prohibition of canvassing ancillary credit business off trade premises);
section 156 (regulations about agreements entered into for ancillary credit businesses).
‘credit information services’ has the meaning given by section 145(7B).
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In section 40 of the 1974 Act (enforcement of regulated agreements made by unlicensed trader) for subsections (1) and (2) substitute—
In subsection (4) of that section—
in paragraph (a) for “regulated agreements made by the trader during that period” substitute “the regulated agreements in question”;
in paragraph (b) after “covering” insert “the making of those agreements during”;
in paragraph (c) for “obtain a licence” substitute “be licensed as required”.
In subsection (6) of that section after “This section” insert “(apart from subsection (1))”.
After that subsection insert—
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In section 189 of that Act (definitions) after subsection (1) insert—
In section 191(1)(a) of that Act (special provisions as to Northern Ireland) after “notices” insert “ , charges ”.
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In section 25 of the 1974 Act (licensee to be a fit person) for subsection (1) substitute—
For subsection (2) of that section substitute—
In subsection (3) of that section for “(2)” substitute “(2A)”.
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In section 30 of the 1974 Act (variation of licences by request) for subsection (1) substitute—
In subsection (1) of section 31 of that Act (compulsory variation of licences) for “the licence should be varied” substitute “it should take steps mentioned in subsection (1A)”.
After that subsection insert—
After subsection (7) of that section insert—
In section 32 of that Act (suspension and revocation of licences) after subsection (8) insert—
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After section 34 of the 1974 Act insert—
In section 29 of that Act (renewal of licences) after subsection (3) insert—
Subsection (5) of that section (which gives the OFT power to give directions allowing licensees to carry agreements into effect) shall cease to have effect.
In section 31(2) of that Act (procedure to be followed in case of proposed compulsory variation of a standard licence) for paragraph (b) substitute—
In subsection (2) of section 32 of that Act (procedure to be followed in case of proposed revocation or suspension of a standard licence) for paragraph (b) substitute—
Subsection (5) of that section (which gives the OFT power to give directions allowing licensees to carry agreements into effect) shall cease to have effect.
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In section 21(1) of the 1974 Act (businesses needing a licence) for “consumer hire business” substitute “a consumer hire business or an ancillary credit business”.
In section 22 of that Act (standard and group licences) after subsection (5) insert—
In subsection (1) of section 23 of that Act (authorisation of specific activities) for “this section” substitute “the terms of the licence”.
In subsection (4) of that section for “Regulations may be made specifying” substitute “The OFT may by general notice specify”.
After section 27 of that Act insert—
In the Table in section 41 of that Act (appeals) in the entry relating to “refusal to make order under section 40(2) in accordance with terms of application” after “40(2)” insert “, 148(2) or 149(2)”.
In sections 194(3) and 203(4) of the 2000 Act (powers of intervention and prohibition) for “(a) to (d) of section 25(2)” substitute “(a) to (e) of section 25(2A)”.
In section 203(10) of that Act (definitions relating to Consumer Credit Act businesses) in the definition of “associate” for “25(2)” substitute “25(2A)”.
In paragraph 15(3) of Schedule 3 to that Act (EEA passport rights) for “21, 39(1) and 147(1)” substitute “21 and 39(1)”.
In paragraph 23 of that Schedule in sub-paragraph (1) for “Sub-paragraph (2) applies” substitute “Sub-paragraphs (2) and (2A) apply”.
In sub-paragraph (2) of that paragraph for “(a) to (d) of section 25(2)” substitute “(a) to (e) of section 25(2A)”.
The Authority may also exercise its power under section 45 in respect of the firm if the Office of Fair Trading has informed the Authority that it has concerns about any of the following—
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In subsection (1) of section 22 of the 1974 Act (definitions of standard and group licences)—
in paragraph (a) for “during the prescribed period” substitute “whilst the licence is in effect”;
in paragraph (b) for the words from “during” to “indefinitely” substitute “whilst the licence is in effect”.
After that subsection insert—
In section 29 of that Act (renewal of licences)—
in subsection (1) after “standard licence” insert “of limited duration”;
in subsection (4) for “in force” substitute “to have effect”.
In subsection (1) of section 31 of that Act (compulsory variation of licences) after “that time” insert “(assuming, in the case of a licence which has effect indefinitely, that it were a licence of limited duration)”.
Before subsection (2) of that section insert—
In section 32(1) of that Act (suspension and revocation of licences) after “that time” insert “(assuming, in the case of a licence which has effect indefinitely, that it were a licence of limited duration)”.
In section 35(1)(b) of that Act (particulars to be kept in register maintained by OFT) for “force” substitute “effect”.
In section 37 of that Act (circumstances giving rise to termination of a licence) after subsection (1) insert—
In subsection (3)(a) of that section after “(1)” insert “or (1A)”.
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After section 28B of the 1974 Act (inserted by section 36 of this Act) insert—
In section 35(1)(b) of that Act (particulars to be kept in register maintained by OFT) after “revoked” insert “or terminated by section 28C”.
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In section 35(1) of the 1974 Act (particulars to be kept in register maintained by OFT) after paragraph (b) insert—.
Determination— to impose a requirement under section 33A or 33B; to refuse an application under section 33C(5) in relation to a requirement imposed under either of those sections; or to vary or revoke a requirement so imposed. A person who falls within section 33C(6) or (7) in relation to the requirement unless the OFT was not required to give a notice to him in relation to the determination by virtue of section 33D(4).
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In subsection (2) of section 6 of the 1974 Act (which contains provision relating to applications)—
for “particulars” substitute “information and documents”;
for “by” in the second place where it occurs substitute “or describe in a”.
For subsection (3) of that section substitute—
After subsection (4) of that section insert—
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In Part 12 of that Act before section 175 insert—
‘documents’ includes information recorded in any form;
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After section 39A of the 1974 Act (inserted by section 52 of this Act) insert—
Imposition of penalty under section 39A. The person on whom the penalty is imposed.
In section 181 of that Act (power to alter monetary limits etc.)—
in subsection (1) before “70(6)” insert “39A(3),”;
in subsection (2) before “75(3)(b)” insert “39A(3),”.
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After section 40 of the 1974 Act insert—
Before Schedule 1 to that Act insert the Schedule A1 set out in Schedule 1 to this Act.
In subsection (1) of section 41 of the 1974 Act (appeals) for the words from “prescribed period” onwards substitute “ specified period, appeal to the Tribunal ”.
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Subsections (2) to (5) of that section shall cease to have effect.
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In section 2(7) of the 1974 Act (restriction on power to give directions to OFT) for “Secretary of State” substitute “the Tribunal”.
In section 182 of that Act (regulations and orders) after subsection (1) insert—
In subsection (2) of that section—
after “orders” wherever occurring insert “or rules”;
after “by the Secretary of State” insert “or by the Lord Chancellor”;
in paragraph (c) for “Secretary of State” substitute “person making them”.
In section 189(1) of that Act (definitions)—
in the definition of “appeal period” for “Secretary of State” substitute “Tribunal”;
‘the Tribunal’ means the Consumer Credit Appeals Tribunal;
Consumer credit 9B. The Consumer Credit Appeals Tribunal established by section 40A of the Consumer Credit Act 1974.
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After section 226 of the 2000 Act insert—
In Schedule 17 to that Act (the ombudsman scheme) after Part 3 insert the Part 3A set out in Schedule 2 to this Act.
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In subsection (4) of section 229 of that Act (awards by ombudsman) after “specify” insert “ for the purposes of the compulsory jurisdiction ”.
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in subsection (1) after “jurisdiction” insert “or the consumer credit jurisdiction”;
in subsection (7) after “17” insert “or (as the case may be) paragraph 16D of that Schedule”.
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in paragraph 3(4) after “227” insert “, the function of making consumer credit rules, the function of making determinations under section 234A(1)”;
in paragraph 7(2) after “compulsory jurisdiction” insert “, functions in relation to its consumer credit jurisdiction”;
in paragraph 9(3) after “compulsory” insert “, consumer credit”;
in paragraphs 10(1) and 11 after “jurisdiction” insert “or to the consumer credit jurisdiction”.
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In section 101 of the 1974 Act (right of hirer to terminate regulated consumer hire agreement) after subsection (8) insert—
In subsection (8) of that section for the words from “this section” onwards substitute “ , subject to such conditions (if any) as it may specify, this section shall not apply to consumer hire agreements made by the applicant; and this Act shall have effect accordingly ”.
For section 183 of the 1974 Act (determinations etc. by OFT) substitute—
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There shall be payable out of money provided by Parliament—
any expenditure incurred by a Minister of the Crown or the Office of Fair Trading by virtue of this Act; and
any increase attributable to this Act in the sums payable out of money so provided by virtue of any other Act.
In this Act—
“the 1974 Act” means the Consumer Credit Act 1974 (c. 39);
“the 2000 Act” means the Financial Services and Markets Act 2000 (c. 8).
Consumer credit rules— Sub-paragraphs (2) and (3) of paragraph 14 apply in relation to consumer credit rules under sub-paragraph (1) of this paragraph as they apply in relation to scheme rules under that paragraph. Consumer credit rules may require persons falling within sub-paragraph (6) to establish such procedures as the scheme operator considers appropriate for the resolution of complaints which may be referred to the scheme. Consumer credit rules under sub-paragraph (3) may make different provision in relation to persons of different descriptions or to complaints of different descriptions. Consumer credit rules under sub-paragraph (3) may authorise the scheme operator to dispense with or modify the application of such rules in particular cases where the scheme operator— A person falls within this sub-paragraph if he is licensed by a standard licence (within the meaning of the Consumer Credit Act 1974) to carry on to any extent a business of a type specified in an order under section 226A(2)(e) of this Act.
If the scheme operator proposes to make consumer credit rules, it must publish a draft of the proposed rules in the way appearing to it to be best calculated to bring the draft to the attention of the public. The draft must be accompanied by— Before making any consumer credit rules, the scheme operator must have regard to any representations made to it in accordance with sub-paragraph (2)(b). If consumer credit rules made by the scheme operator differ from the draft published under sub-paragraph (1) in a way which the scheme operator considers significant, the scheme operator must publish a statement of the difference.
“the 2000 Act” means the Financial Services and Markets Act 2000 (c. 8).
The Secretary of State may by order made by statutory instrument make such modifications of— as he thinks fit in consequence of any provision of this Act.
any Act or subordinate legislation (within the meaning of the Interpretation Act 1978 (c. 30)), or
any Northern Ireland legislation or instrument made under such legislation,
An order under this section may include transitional or transitory provisions and savings.
A statutory instrument containing an order under this section may not be made by the Secretary of State unless a draft has been laid before and approved by a resolution of each House of Parliament.
Schedule 3 (which sets out transitional provision and savings) has effect.
The Secretary of State may by order made by statutory instrument make such transitional or transitory provisions and savings as he thinks fit in connection with the coming into force of any provision of this Act.
An order under this section may (amongst other things)—
where a provision of this Act is brought into force for limited purposes only, make provision about how references in Schedule 3 to the commencement of that provision of this Act are to apply;
make provision for or in connection with the application of any provision of this Act in relation to— before the coming into force of that provision of this Act.
things existing or done, or
persons who have done something or in relation to whom something has been done,
An order under this section may—
modify any Act or any subordinate legislation (within the meaning of the Interpretation Act 1978);
modify any Northern Ireland legislation or any instrument made under such legislation;
make different provision for different cases.
Schedule 3 does not restrict the power under this section to make transitional or transitory provisions or savings.
The enactments and instruments set out in Schedule 4 are repealed or revoked to the extent shown in that Schedule.
This Act may be cited as the Consumer Credit Act 2006.
This Act (apart from this section) shall come into force on such day as the Secretary of State may by order made by statutory instrument appoint; and different days may be appointed for different purposes.
This Act extends to Northern Ireland.
Section 55
Section 59
This Part of this Schedule applies only in relation to the consumer credit jurisdiction.
A money award, including interest, which has been registered in accordance with consumer credit rules may—
if a county court so orders in England and Wales, be recovered by execution issued from the county court (or otherwise) as if it were payable under an order of that court;
be enforced in Northern Ireland as a money judgment under the Judgments Enforcement (Northern Ireland) Order 1981;
be enforced in Scotland as if it were a decree of the sheriff and whether or not the sheriff could himself have granted such a decree.
Consumer credit rules may require a respondent to pay to the scheme operator such fees as may be specified in the rules. Sub-paragraph (2) of paragraph 15 applies in relation to consumer credit rules under this paragraph as it applies in relation to scheme rules under that paragraph.
The production of a printed copy of consumer credit rules purporting to be made by the scheme operator— is evidence (or in Scotland sufficient evidence) of the facts stated in the certificate. The required statements are— A certificate purporting to be signed as mentioned in sub-paragraph (1) is to be taken to have been duly signed unless the contrary is shown.
If the scheme operator makes any consumer credit rules, it must give a copy of them to the Authority without delay. If the scheme operator revokes any such rules, it must give written notice to the Authority without delay. The power to make such rules is exercisable in writing. Immediately after the making of such rules, the scheme operator must arrange for them to be printed and made available to the public. The scheme operator may charge a reasonable fee for providing a person with a copy of any such rules.
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A person who— shall be treated as having been appointed to the panel of chairmen on the day of the commencement of section 55. A person who— shall be treated as having been appointed to the lay panel on the day of the commencement of section 55. A person who is to be treated as having been appointed to the panel of chairmen or to the lay panel in accordance with this paragraph shall, subject to paragraph 4(2) and (3) of Schedule A1 to the 1974 Act, hold office as a member of the panel in question— In this paragraph—
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Neither— has effect in relation to determinations of the OFT made before the commencement of section 56. This Act, so far as it repeals section 11 of the Tribunals and Inquiries Act 1992 (c. 53), has no effect in relation to such determinations so made. The repeal by this Act of paragraph 27(2) of Schedule 25 to the Enterprise Act 2002 (c. 40) has no effect in relation to such determinations so made.
Neither subsection (1) nor (4)(a) of section 58 of this Act has effect in relation to determinations of the OFT made before the commencement of that section.
Section 69
Expressions used in the 1974 Act have the same meaning in this Schedule (apart from paragraphs 14 to 16 and 26) as they have in that Act. For the purposes of this Schedule an agreement becomes a completed agreement once—
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Regulations made under section 78(4A) of the 1974 Act may apply in relation to agreements regardless of when they were made.
Section 7(3) of this Act shall have effect in relation to agreements whenever made. A dispensing notice given under section 185(2) of the 1974 Act which is operative immediately before the commencement of section 7(3)—
The OFT shall prepare, and give general notice of, the arrears information sheet and the default information sheet required under section 86A of the 1974 Act as soon as practicable after the commencement of section 8 of this Act.
Section 1 of this Act shall have no effect for the purposes of section 226A(4)(a) of the 2000 Act in relation to a complaint which relates to an act or omission occurring before the commencement of section 1.
Section 86B of the 1974 Act applies in relation to agreements whenever made. In the application of section 86B in relation to an agreement made before the commencement of section 9 of this Act, the conditions under subsection (1) can be satisfied only if the two payments mentioned in paragraph (c) were not required to have been made before the commencement of section 9. In the case of an agreement within subsection (9) of section 86B, sub-paragraph (2) has effect as if for “two” there were substituted “four”.
Section 86C of the 1974 Act applies in relation to agreements whenever made. In the application of section 86C in relation to an agreement made before the commencement of section 10 of this Act, the conditions mentioned in subsection (1) can be satisfied only if the two payments mentioned in paragraph (b) were not required to have been made before the commencement of section 10.
Section 86E of the 1974 Act applies in relation to agreements whenever made but only as regards default sums which become payable after the commencement of section 12 of this Act.
Section 86F of the 1974 Act applies in relation to agreements whenever made but only as regards default sums which become payable after the commencement of section 13 of this Act. Where section 86F applies in relation to an agreement made before the commencement of section 13, the agreement shall have effect as if any right of the creditor or owner to recover compound interest in connection with the default sum in question at a particular rate were a right to recover simple interest in that connection at that rate.
Section 14 of this Act shall have effect in relation to any default notice served after the commencement of that section, regardless of—
when the breach of the agreement in question occurred; or
when that agreement was made.
The repeal by this Act of— has no effect in relation to improperly-executed agreements made before the commencement of section 15 of this Act.
the words “(subject to subsections (3) and (4))” in subsection (1) of section 127 of the 1974 Act,
subsections (3) to (5) of that section, and
the words “or 127(3)” in subsection (3) of section 185 of that Act,
A debtor or hirer under an agreement may make an application under section 129(1)(ba) of the 1974 Act regardless of when that agreement was made.
Section 130A of the 1974 Act applies in relation to agreements whenever made but only as regards sums that are required to be paid under judgments given after the commencement of section 17 of this Act.
The court may make an order under section 140B of the 1974 Act in connection with a credit agreement made before the commencement of section 20 of this Act but only— But the court shall not make such an order in connection with such an agreement so made if the agreement— Expressions used in sections 140A to 140C of the 1974 Act have the same meaning in this paragraph as they have in those sections. In this paragraph “the transitional period” means the period of one year beginning with the day of the commencement of section 20. An order under section 69 of this Act may extend, or further extend, the transitional period.
The repeal by this Act of sections 137 to 140 of the 1974 Act shall not affect the court's power to reopen an existing agreement under those sections as set out in this paragraph. The court's power to reopen an existing agreement which— is not affected at all. The court may also reopen an existing agreement— Nothing in section 16A or 16B of the 1974 Act shall affect the application of sections 137 to 140 (whether by virtue of this paragraph or otherwise). The repeal or revocation by this Act of the following provisions has no effect in relation to existing agreements so far as they may be reopened as set out in this paragraph— Expressions used in sections 137 to 140 of the 1974 Act have the same meaning in this paragraph as they have in those sections. In this paragraph— An order under section 69 of this Act may extend, or further extend, the transitional period.
It is immaterial for the purposes of section 140C(4)(a) to (c) of the 1974 Act when (as the case may be) a credit agreement or a linked transaction was made or a security was provided. In relation to an order made under section 140B of the 1974 Act during the transitional period in connection with a credit agreement— and the order shall not under paragraph (g) of that subsection direct accounts to be taken, or (in Scotland) an accounting to be made, between any persons in relation to a related agreement to which this sub-paragraph applies. Sub-paragraph (2) applies to a related agreement or a security if— In relation to an order made under section 140B after the end of the transitional period in connection with a credit agreement— and the order shall not under paragraph (g) of that subsection direct accounts to be taken, or (in Scotland) an accounting to be made, between any persons in relation to a related agreement to which this sub-paragraph applies. Sub-paragraph (4) applies to a related agreement or a security if— Expressions used in sections 140A to 140C of the 1974 Act have the same meanings in this paragraph as they have in those sections. In this paragraph “the transitional period” means the period of one year beginning with the day of the commencement of section 21. An order under section 69 of this Act may extend, or further extend, the transitional period.
Section 1 of this Act shall have no effect for the purposes of section 140C(1) of the 1974 Act in relation to agreements made before the commencement of section 1.
“the 1974 Act” means the Consumer Credit Act 1974 (c. 39);
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Section 70 Act or instrument Extent of repeal Consumer Credit Act 1974 (c. 39) In section 2(7), the words “or 150”. In section 6(2), the words “and must be accompanied by the specified fee”. Section 8(2). In section 15, subsection (1)(c) and the “and” immediately preceding it. Section 16(7). Section 22(9) and (10). Section 23(2). Section 25(1A). Section 29(5). Section 32(5). Section 36(6). In section 40(6), the words “, other than a non-commercial agreement,”. In section 41— subsections (2) to (5); and in the Table the entry relating to “refusal to give directions in respect of a licensee under section 29(5) or 32(5)”. In section 43, subsection (3)(a) and the “or” immediately after it. In section 127— in subsection (1) the words “(subject to subsections (3) and (4))”; and subsections (3) to (5). Sections 137 to 140. In section 143(b), the words “, 139(1)(a)”. In section 147— subsection (1); and in subsection (2) the words “(as applied by subsection (1))”. Section 150. In section 162— in subsection (1)(b)(i), the words “books or”; in subsection (1)(b), the words “and take copies of, or of any entry in, the books or documents”; in subsections (1)(d) and (e), (2) and (3) the word “books”; and subsection (7). Section 171(7). In section 181— in subsection (1) the words “43(3)(a),” and the words “139(5) and (7),”; and in subsection (2) the words “43(3)(a),” and the words “or 139(5) or (7)”. In section 185(3), the words “or 127(3)”. In section 189(1)— the definition of “costs”; in the definition of “licence” the words from “(including” onwards; and the definition of “personal credit agreement”. In Schedule 2, in Part 1, the entry relating to “personal credit agreement”. Bankruptcy (Scotland) Act 1985 (c. 66) In section 61(6), the words from the beginning to “but”. Insolvency Act 1986 (c. 45) In section 343(6), the words from the beginning to “But”. Insolvency (Northern Ireland) Order 1989 (S.I. 1989/2405 (N.I. 19)) Article 316(6). Tribunals and Inquiries Act 1992 (c. 53) In section 11— subsection (6); in subsection (7)(a), the words from “or on an appeal” to “Scotland” in the third place where it occurs; and in subsection (8), the words from “and in relation to” to “Northern Ireland” in the third place where it occurs. Enterprise Act 2002 (c. 40) In Schedule 25, paragraphs 6(18)(b) and 27(2).