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11 January, 2011

Consumer Credit (Amendment) Regulations 2011

New regulations that correct drafting errors within consumer credit regulations implementing EC Directive 2008/48.

10 January, 2011

Harrison v Black Horse Ltd

[2010] EWHC 3152 (QB)

5 January, 2011

New funding to continue the fight against loan sharks and scams

Specialist regional Illegal Money Lending and Scambuster teams run by Trading Standards will continue to be funded by the Department for Business and Skills.

4 January, 2011

Number of people entering into formal insolvency procedures remains high

More needs to be done to encourage people to manage their money better and, where possible, to avoid insolvency, says The Insolvency Service.

24 December, 2010

Calls to 0800 numbers to be free from mobiles under OFCOM proposals

Current system of charges has a disproportionate effect on lower-income households, says regulator

23 December, 2010

Impact on former offenders of exclusion from bank accounts, insurance and affordable credit

New report from the Prison Reform Trust and UNLOCK, the National Association of Reformed Offenders.

22 December, 2010

Government launches consultation on Consumer Credit Regulation

Ministers considering transferring the regulation of consumer credit from the Office of Fair Trading to the new consumer protection and markets authority (CPMA).

20 December, 2010

OFT works to raise doorstep lending standards

Targeted enforcement action is being taken as part of work to improve standards in the home collected credit industry.

17 December, 2010

OFT takes further action against unfair direct debit clauses in payday loan contracts

Payday lenders are warned that they must not misuse direct debit facilities to vary the amount or date of a loan repayment.

17 December, 2010

15 December, 2010

Nearly half of all households with debt are concerned about their level of debt

Bank of England publishes survey which considers the continuing financial difficulties facing households.

14 December, 2010

Rise in unemployment could lead to two million people requiring debt advice in 2011

Research commissioned by Money Advice Trust looking at effect of economy on demand for debt advice from free-to-client advice sector.

7 December, 2010

Office of Fair Trading launches mental capacity guidance consultation

Draft guidance sets out steps the OFT expects creditors to take to identify borrowers who might lack the mental capacity to make informed borrowing decisions.

30 November, 2010

Ministry of Justice eager to hear views of those who use HMCS and the Tribunals Service

Consultation on proposal to create a unified Courts and Tribunal Service.

29 November, 2010

Citizens Advice welcomes Ofgem investigation into pricing in the retail energy market

Companies that have been charging too much for their energy also urged to reduce their prices and refund any overcharges to consumers.

29 November, 2010

29 November, 2010

Citizens Advice pleased that EU Commission recognises problems in people not having bank accounts

However proposal to guarantee the right of access to a basic payment account needs to be accompanied by measures to addresss the complex issues relating to the demand for banking facilities amongst the unbanked.

25 November, 2010

23 November, 2010

Citizens Advice and Shelter urge the government not to allow a return to irresponsible lending

Joint letter to Housing Minister supports the FSA’s proposals to introduce affordability and income checks.