Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in the UK, including credit hire arrangements. Sets out the framework for consumer protection in credit transactions.
Consumer Rights Act 2015: Consolidates consumer protection law, including unfair terms in consumer contracts and the quality of services provided.
Supply of Goods and Services Act 1982: Governs the supply of goods and services, including implied terms about quality and fitness for purpose in hire contracts.
Unfair Contract Terms Act 1977: Regulates contracts by restricting how far civil liability for breach of contract can be avoided through contract terms.
Financial Services and Markets Act 2000: Provides the framework for financial services regulation in the UK, including credit-related activities.
Consumer Protection from Unfair Trading Regulations 2008: Prohibits unfair commercial practices between traders and consumers, including misleading actions and aggressive practices.
Consumer Contracts Regulations 2013: Sets out requirements for information provision, cancellation rights, and additional charges in consumer contracts.
Consumer Credit (Agreements) Regulations 2010: Specifies the form and content requirements for regulated credit agreements.
Consumer Credit (Disclosure of Information) Regulations 2010: Details the information that must be disclosed to consumers before entering into a credit agreement.
ABI General Terms of Agreement: Industry guidelines for credit hire arrangements, particularly relevant for insurance-funded credit hire.
FCA Regulations: Financial Conduct Authority rules and guidance for credit-related regulated activities.
Consumer Credit Sourcebook (CONC): FCA handbook containing detailed rules and guidance for consumer credit firms.
Dimond v Lovell [2002]: Key case law establishing principles regarding the recovery of credit hire charges.
Bent v Highways and Utilities Construction [2011]: Important case law regarding the assessment of reasonable hire rates in credit hire claims.
Stevens v Equity Syndicate Management Ltd [2015]: Case law clarifying the approach to determining basic hire rates in credit hire claims.
UK General Data Protection Regulation: Regulations governing the processing of personal data, including requirements for data collection and processing in credit agreements.
Data Protection Act 2018: UK's implementation of data protection requirements, supplementing the UK GDPR.
