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Topic: Home > Consumer Affairs > Credit > Consumer credit

Includes information about agreements between an individual borrower and a company whose business is to make loans and includes hire purchase agreements, conditional sales agreements, credit sales agreements and using an overdraft facility.



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Advicenow, produced by the Advice Services Alliance, is an independent guide to the best available information on rights and legal issues.

Consumer credit

Your rights if you borrow money, or buy goods, using a credit agreement. Also includes hire purchase and other agreements, where you do not own the goods until you have made all the payments.

7 Credit

Information on credit including types of credit, refusal of credit, cancellation of agreements, problems repaying credit and pawnbrokers.
Provided by Adviceguide from Citizens Advice
8 What type of plastic? (PDF)

If you decide to use a card to buy goods or services this leaflet will help you choose which one is best for you.
Provided by Office of Fair Trading- OFT
4 Money and credit

Help for you to take control of your spending and avoid getting into debt. If you are in debt you'll find out where to get free advice.
Provided by Office of Fair Trading- OFT
1 Store cards - a guide to budget card credit agreements

Many retailers now offer credit facilities commonly called budget cards. Points you may wish to consider before getting a card.
Provided by Trading Standards Central
6 Hire purchase problems

Explains the situation if you have bought something on hire purchase or under a 'conditional sale agreement' and are now having difficulties with the payments. What rights you have depends on how many payments you have made.
Provided by CLS Direct
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Bought on credit?
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Last Updated: 26 Sep 16


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