Unfair relationships under the Consumer Credit Act 1974

In this practice note, Toby Riley-Smith of Henderson Chambers provides an overview of the "unfair relationships" test under sections 140A to 140D of the Consumer Credit Act 1974 (CCA) and identifies a number of themes emerging from reported cases.

For more information on the key unfair relationship cases, including links to case transcripts, OFT case summaries and related PLC Financial Services materials, see CCA unfair relationships: case tracker.

This note is in the process of being updated to reflect the transfer of responsibility for the regulation of consumer credit from the OFT to the FCA on 1 April 2014. For an overview of the UK consumer credit regime, see Practice note, UK consumer credit regime.

Toby Riley-Smith, Henderson Chambers


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