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Moon phases


Did you have the money / use the credit?

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Did you have the money / use the credit?

Post by handle on Fri Sep 28, 2018 11:15 pm

Ever heard a judge say ?Did you have the money / use the credit?"

well it doesnt matter if you have benefitted from the agreement if the agreement does not satisfy the criteria under s127 consumer credit act:

Per Lord Hoffman in Dimond v Lovell [2002] 1 AC 384

The policy of the 1974 Act is to penalise...the accident hire company...for not entering into a properly executed agreement. A consequence is often to confer a benefit upon the debtor, but that is a consequence rather than the primary purpose.

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Re: Did you have the money / use the credit?

Post by handle on Mon Oct 15, 2018 8:20 pm

Even better:
It appears likely that once a creditor terminates an agreement on
the back of a technically defective default notice, it arguably constitutes unlawful repudiation of the credit agreement- such was the view of the Court of Appeal in Eshun v Moorgate Mercantile Co Ltd,
46 which ordered the respondent to pay compensation for wrongful retaking of a vehicle subject to hire purchase.

the courts may do little more than expect the creditor to “get it right” subject to de minimus variations as informed by the vague and as yet undefined “prejudice” test- after all, they are often possessed of the resources and experience to do so and, as opined by Lord Brown in Office of Fair Trading v Lloyds TSB Bank plc, 49 the
absorption of these by the creditor sits as part of “a fair balance between the creditor and the debtor” in such relationships.

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