The right of withdrawal applies to all regulated consumer credit agreements, except:

The consumer must be provided with copies of the consumer credit agreement but this requirement will vary.

This only covers consumer credit agreements, not hire agreements.

Creditors are all too frequently obliged to terminate the consumer credit agreement because the debtor is in default.

At this moment, in the European Union, the consumer credit agreements currently in force account for something like a billion euros.

This includes the sale of land, a lease of property over three years, a consumer credit agreement, and a bill of exchange.

Employers can be used by the courts to obtain payments from those in arrears with fines, maintenance, housing and consumer credit agreements.

Buyers of face-to-face consumer credit agreements which are signed away from the trader's business premises, are covered by other cancellation rights.

In Italy, in particular, growth in turnover in consumer credit agreements has been exponential.

The Convention excludes consumer sales contracts; the Directive is confined to consumer credit agreements.

(2) Regulated consumer credit agreements.

The narrower coverage figures show that the amounts outstanding on consumer credit agreements fell by £0.20bn in December following a small fall of £0.03bn in November.

The Consumer Credit Act uses three pairs of labels to define different types of consumer credit agreement.

There are three main types of agreement; regulated consumer credit agreements, regular consumer hire agreements and partially regulated agreements.

Partially regulated agreements are those consumer hire or consumer credit agreements which are not an exempt agreement but are exempt from certain provisions of the Act.

After more than six years of legislative work, the directive on consumer credit agreements is a significant step forward in the protection of contractual freedom and encourages responsible decision-making by consumers.

The haulier may wish to make an early settlement of a consumer credit agreement, for example because he wishes to take advantage of a special seasonal discount being offered on a vehicle.

Debt collectors are covered by similar provisions, and are defined as anybody who takes steps to "procure payment of debts due" under consumer credit agreements and consumer hire agreements.

These compromises are aimed at reaching agreement with the Council on a text that would repeal the current Directive 87/102/EEC and introduce a common legal framework for consumer credit agreements.

However, outside insurance, partnerships, surety, fiduciary relations, company shares, a narrow range of regulated securities, and consumer credit agreements, the duty on negotiating parties to disclose material facts does not extend to most contracts.

Under s 127(3) an improperly executed consumer credit agreement - such as one where the debtor does not sign and the document does not contain all the prescribed terms of the agreement - is unenforceable by a creditor.

Usually lower statutory interest rates apply under the County Court (Interest on Judgment Debts) Order 1991, but this it excluded judgment debts on consumer credit agreements under the Consumer Credit Act 1974.

Order 17, r 11 applies to any fixed date action (and any default action) except those listed in r 11(1), which include actions for the recovery of land, rent actions and actions arising out of a regulated consumer credit agreement.

Small agreements are defined in Section 17 of the act as regulated consumer credit agreements where the credit does not exceed £30 and regulated consumer hire agreements which do not require the hirer to pay more than £30 in fees.

However, the agency tool has been utilised by the CCA 1974 as a consumer protection measure so that the negotiator or dealer under a regulated consumer credit agreement (see below) is deemed, in certain circumstances, to be the agent for the financier (CCA 1974, s56).