Asset Financing & Leasing

Jan Firth


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Recent and impending changes to the Consumer Credit Act (CCA) are designed to protect the individual taking advantage of consumer credit by providing regulation.

Service providers and retailers, along with their consumers and customers, can benefit enormously from professional clarity and problem-solving when it comes to disputes covered by consumer credit law and the Act.

We deliver clear advice and support covering all aspects of consumer credit law. We can help you assess risk and find the right solution for you, offering clear advice on regulation and compliance. Consumer credit is a widespread and dynamic driver of the economy, and for these reasons it is essential to apply it correctly, and resolve any issues quickly and efficiently.

We work with brokers, funders and lessors, helping them swiftly and effectively collect their debts and recover their assets.

The Consumer Credit Act 1974 (as amended by the Consumer Credit Act 2006) regulates consumer credit and consumer hire agreements. It is the law that gives consumers protection from purchases and sets out how credit should be marketed and managed.

The legislation covers the following areas: 

  • the information consumers should be provided with before they enter into a credit agreement
  • the content and form of credit agreements
  • the method of calculating annual percentage rates of interest (APR)
  • procedures relating to events of default, termination and early settlement
  • credit Advertising
  • additional protection credit card purchases costing more than £100 and up to £30,000 under Section 75 of the Consumer Credit Act