Newer version available

There is a newer version of this publication available:
Debt Advice Handbook 14th edition

Chapter 6: Minimising debts

• 1. Introduction
• Inaccurate calculations
• 2. Using contract law
• Joint and several liability
• Guarantors
• Agents
• The wrong person
• Forged signatures
• Liability after a death
• Jointly owned property
• Under-18-year-olds
• Contracts made under ’undue influence’
• Misrepresentation of the terms of the contract
• Capacity to make a contract
• Housing disrepair
• Faulty goods and services
• Mistaken payments into bank accounts
• Default charges
• What is an unfair term
• What action to take
• 3. Using the Consumer Credit Act
• Requests for information
• When to make a request
• Possible responses from the creditor
• If the creditor does not comply
• Unauthorised creditors
• Early settlement of a credit agreement
• Unfair relationships
• What is an unfair relationship
• Identifying potential unfair relationship situations
• Payment protection insurance
• Remedies
• Procedural irregularities

This chapter covers:

1. Introduction (next)

2. Using contract law (here)

3. Using the Consumer Credit Act (here)