Podcast Location:
Download it here [file size: 23.8 MB]
Categories:
Consumer Law
CPD Points:
Up to 1 point. details »

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Regulated by the Solicitors Regulation Authority:
Listen and pass the quiz: Gain 1 CPD point (60 minutes)
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Cost:
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Length:
30 minutes of audio
(+ optional 5 minute online quiz)
Plays on Computer:
Yes Downloadable as MP3:    Yes
Contributor(s):
Course Aims:

This podcast is aimed at those interested in consumer law and debt. It will address the scope of the directive looking at the new advertising requirements, pre-contractual information, the mandatory provisions of any agreement and the termination/withdrawal rights of consumers. The podcast also aims to flag up the major points of contrast with the existing UK legislation and how amendments will need to be made to harmonise the two sets of rules.

Outcomes:
After completing the course you will:
  • Understand what the directive is and what it does to protect consumers;
  • Understand the scope of the directive;
  • Understand the new advertising requirements and the issues surrounding how representative the cost of the credit is and the information provided to consumers;
  • Understand what rights consumers have post contract with regards to withdraw or termination;
  • Know what agreements fall inside and outside the scope of the directive;
  • What amendments the directive requires to the Consumer Credit Act;
  • Who the directive applies to;
  • How the directive fits within the responsible lending agenda;
  • Know the points of conflict between the directive and the Consumer Credit Act.
Level:
General Interest Difficulty: 2 of 5
Classification:
Legislative Updates
Sources and References:
  • Consumer Credit Directive (2008/48/EC);
  • The Consumer Credit (EU Directive) Regulations 2010 (SI 2010 No. 1010);
  • The Consumer Credit (Total Charge for Credit) Regulations 2010 (SI 2010 No. 1011);
  • The Consumer Credit (Disclosure of Information) Regulations 2010 (SI 2010 No. 1013);
  • The Consumer Credit (Agreements) Regulations 2010 (SI 2010 No. 1014);
  • The Consumer Credit (Advertisements) Regulations 2010 (SI 2010 No. 1970).
Tags:

This podcast reviews the provisions of the EU’s Consumer Credit Directive and how it will be implemented and harmonised into the UK’s regime which is currently governed by the Consumer Credit Act 1974.

Podcast added:24/06/11

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