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Loans FAQ:


The Consumer Credit Act (1974)

  This is the law that governs personal loans and other credit agreements. Among many other requirements, it demands that :

  • full written details of the true interest rate (i.e. annual percentage rate) be quoted
  • a 'cooling-off' period be allowed during which borrowers may change their minds and cancel agreements
  • all agreements be in writing.

  The government department that oversees the loans and credit industry is :

The Office of Fair Trading
Fleetbank House
2-6 Salisbury Square

Telephone : 020 7211 8000

Fax : 020 7211 8798

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