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The Consumer Credit (EU Directive) Regulations 2010
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Status:
This version of this provision is prospective.
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Changes to legislation:
There are outstanding changes not yet made by the legislation.gov.uk editorial team to The Consumer Credit (EU Directive) Regulations 2010. Any changes that have already been made by the team appear in the content and are referenced with annotations.
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Changes and effects yet to be applied to Regulation 54:
- Regulations power to modify conferred by 2023 c. 29 s. 3 Sch. 1 Pt. 2
- Regulations revoked by 2023 c. 29 Sch. 1 Pt. 2
- reg. 54 coming into force by S.I. 2010/1010 reg. 99(1)
Changes and effects yet to be applied to the whole Instrument associated Parts and Chapters:
Whole provisions yet to be inserted into this Instrument (including any effects on those provisions):
- reg. 3(4) words substituted by S.I. 2010/1969 reg. 6
- reg. 25(8) inserted by S.I. 2010/1969 reg. 11
- reg. 54(za)(zb) inserted by S.I. 2010/1969 reg. 14
- reg. 55A inserted by S.I. 2010/1969 reg. 16
- reg. 56(za)(zb) inserted by S.I. 2010/1969 reg. 17
- reg. 67A inserted by S.I. 2010/1969 reg. 21
- reg. 76(1A) substituted by S.I. 2010/1969 reg. 25
- reg. 88A inserted by S.I. 2011/11 reg. 6
- reg. 91A inserted by S.I. 2010/1969 reg. 27
- reg. 100(2)(za) inserted by S.I. 2010/1969 reg. 29(b)
- reg. 100(3)(za) inserted by S.I. 2010/1969 reg. 29(c)
- reg. 101A inserted by S.I. 2010/1969 reg. 30
Prospective
Consumer Credit (Agreements) Regulations 1983U.K.
This
adran has no associated
Memorandwm Esboniadol
54. In Schedule 1 (information to be contained in documents embodying regulated consumer credit agreements other than modifying agreements)—
(a)after paragraph 23, insert—
“Right of withdrawalU.K.
| 23A Agreements falling within regulation 8(1A)(c) | A statement providing details of the debtor’s right under section 66A of the Act to withdraw from the consumer credit agreement including— (1) the right to withdraw within 14 days without the debtor having to give any reason; (2) when that period of withdrawal begins and ends; (3) the requirement of the debtor to notify the creditor of his intention to withdraw, in writing or orally; (4) contact details of the person/creditor whom he must notify of this intention to withdraw from the agreement; (5) the requirement to repay the credit without delay and no later than 30 calendar days of giving notice of withdrawal; (6) the requirement to pay, without delay and no later than 30 calendar days of giving notice of withdrawal, the interest accrued from the date of drawing down the credit to the date of repaying it; and (7) the amount of interest payable per day expressed as a sum of money; |
| Paragraph (7) does not apply [in respect of agreements for running account credit] where it is not practicable for the creditor to state the amount of interest payable per day. In such cases, the agreement shall state that where credit is drawn down during the withdrawal period, the creditor shall inform the debtor, on request, without delay, of the amount of interest payable per day.”; |
(b)in paragraph 24, after “fixed-sum credit”, insert “secured on land”;
(c)after paragraph 24, insert—
| “24A Agreements falling within regulation 8(1A)(b) and (c) | A statement providing details of the debtor’s right of early repayment under section 94 of the Act including— (1) the fact that the debtor has a right to repay early in full or part, (2) the procedure for early repayment, and (3) where applicable details of the creditor’s right to compensation under section 95A of the Act and the manner in which that compensation shall be determined.” |
Commencement Information
I1Reg. 54 in force at 1.2.2011, see reg. 99(1)
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