This course provides a practical and informed review of the landscape of consumer credit law. With the increase of credit litigation, the delegate will gain an understanding of how to both challenge and defend regulated agreements.
Where are we now?
- * The meaning of 'credit'
- What constitutes 'enforcement'
- Default fees
- Interest rates
- Default notice errors
- Conduct of CMC litigation, including costs liabilities in unsuccessful cases
Consumer Credit Directive changes:
- * Adequate explanations
- Assessment of 'creditworthiness'
- New Agreements Regulations
- New execution arrangements
- Withdrawal rights
- Partial settlements
Hot topics for the litigator
- * Unfair Relationships/PPI cases
- OFT irresponsible lending guidance/FAO's
- The Consumer Regulatory Reform Consultation
- The Financial Conduct Authority
- SRA approach to 'CMC' litigation