The Consumer Credit (Miscellaneous Amendments) Regulations 2004
These Regulations amend the Consumer Credit (Agreements) (Amendment) Regulations 2004 (“the Agreements Amendment Regulations”), the Consumer Credit (Advertisements) Regulations 2004 (“the Advertisements Regulations”), the Consumer Credit (Early Settlement) Regulations 2004 (“the Early Settlement Regulations”) and the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (“the Copies of Documents Regulations”). The principal amendments made by the Regulations are as follows—they correct typographical and cross-reference errors in the Agreements Amendment Regulations and substitute a new paragraph 23 of Schedule 1 into the Consumer Credit (Agreements) Regulations 1983 (S.I. 1983/2553) to include reference to cancellation under the Consumer Credit Act 1974, the Timeshare Act 1992 and the Financial Services (Distance Marketing) Regulations 2004;they amend Schedule 2 to the Advertisements Regulations by substituting a new paragraph 7 concerning the total amount payable by the debtor;they amend regulation 3(2) of the Early Settlement Regulations relating to items included in the calculation of rebate;they remove wording in the statutory notices in both Schedule 2 to the Consumer Credit (Agreements) Regulations 1983 and the Schedule to the Copies of Documents Regulations relating to Health and Safety Regulations;they substitute new Parts II, III and VI of the Schedule to the Copies of Documents Regulations relating to the Forms of notice of cancellation rights to be included in copies of agreements and to be sent by post to debtors or hirers.