Podcast Location:
Download it here [file size: 54.8 MB]
Categories:
Corporate & Commercial Law
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)
Listen only, gain ½ a CPD point (30 minutes)

Regulated by the Bar Standards Board:
Listen and pass the quiz: Gain 1 accredited CPD point (60 minutes)

Regulated by ILEX:
Listen and pass the quiz: Gain 1 CPD point (60 minutes)
Listen only, gain ½ a CPD point (30 minutes)

Cost:
  • FREE
Length:
30 minutes of audio
(+ optional 5 minute online quiz)
Plays on Computer:
Yes Downloadable as MP3:    Yes
Contributor(s):
Course Aims:

This CPDcast provides a complete overview of the law relating to consumer credit. It is invaluable for any practitioner seeking to gain an comprehensive understanding of the most important provisions of the Consumer Credit Act 1974, how these relate to the regulation of unfair contract terms and the changes proposed under the new Consumer Credit Bill.

Outcomes:
After completing the course you will:
  • Understand the agreements to which unfair relationship regulation apply;
  • Know how unfair relationships are defined and where the relevant legislation can be found;
  • Have considered Related Agreements within the meaning of the Consumer Credit Act 1974;
  • Understand the consequences if a court finds that the relationship arising out of the contract is unfair to the debtor;
  • Understand the relationship between the Consumer Credit Act 1974 and the Unfair Terms in Consumer Contracts Regulations 1999;
  • Be aware of the various factors the court will take into account when considering whether a provision is unfair.
Level:
General Interest Difficulty: 2 of 5
Classification:
Legal Principles
Legislative Updates
Sources and References:
  • Barnes v Black Horse Ltd [2012] EWHC 1950 (QB);
  • Bevin v Datum Finance Ltd [2011] EWHC 3542 (Ch);
  • Conlon v Black Horse Limited [2011] EWCA. Civ1128;
  • The Consumer Credit Act 1974;
  • The Consumer Credit Act 2006;
  • Deutsche Bank Suisse SA v Khan and others [2013] EWCA Civ 1149;
  • The Enterprise Act 2002;
  • Harrison v Black Horse Ltd [2011] EWCA Civ 2011;
  • Khodari v Al Tamimi [2008] EWHC 3065 (QB);
  • Link Financial Ltd v Wilson - [2014] All ER (D) 82;
  • Nine Regions (T/A Logbook Loans) v Sadeer [2008] GCCR 8501;
  • The Office of Fair Trading v Ashbourne Management Services Ltd & Ors [2011] EWHC 1237 (Ch);
  • Patel v Patel [2009] EWHC 3264 (QB);
  • Plevin v Paragon Personal Finance Ltd UKSC 2014/0037;
  • Regulated Activities Order 2001;
  • Shaw v Nine Regions Ltd [2009] EWHC 3514 (QB);
  • The Unfair Terms in Consumer Contracts Regulations 1999.

In this CPDcast Malcolm Waters QC from Radcliffe Chambers discusses the legal regulation of unfair relationships and how this has been changed by the new Consumer Credit Bill.

Date Recorded: 30th May 2014

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