Credit contracts: Hire purchase, loans and other credit


The legislation that covers credit contracts

Credit Contracts and Consumer Finance Act 2003, ss 6, 7

The Credit Contracts and Consumer Finance Act 2003 (the CCCF Act) protects consumers who have entered into a credit contract. Credit contracts include:

  • hire purchases (called “credit sales” in the Act)
  • secured loan contracts (this is where you provide some of your property, such as your car, as security to the lender for the loan), and
  • unsecured loan contracts.
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