Chapter 5: Consumer credit1. Introduction2. Authorising traders3. Regulated agreementsExempt agreementsHigh net worth borrowersLoans for business purposesBuy-to-let mortgagesSecured loansThe form of the agreementAgreements made on or after 1 February 2011Information that must be in the agreementAgreements made before 31 May 2005Agreements made on or after 31 May 2005Agreements made on or after 1 February 2011Improperly executed agreements made on or after 6 April 2007Electronic communicationThe right to cancel: cooling-off periodDistance contractsSecondary contractsAgreements made on or after 1 February 2011Post-contract informationAnnual statementsArrears noticesDefault sum noticesDefault noticesHome-collected creditInterest after judgmentInformation sheets4. Using the Consumer Credit ActRequests for informationWhen to make a requestPossible responses from the creditorIf the creditor does not complyUnauthorised creditorsEarly settlement of a credit agreementUnfair relationshipsWhat is an unfair relationshipPayment protection insuranceRemediesProcedural irregularities