5 comments on “Section 78 Consumer Credit Act 1974

  1. Hi,
    Thank you for simplifying this mine field.
    I would to ask though how can you tell if a reconstituted CA and additional documents referred too are actually a true representation of the original documents particularly if the agreement was made a long time ago or you’ve never seen it in the first place? The interest rate for instance, I have no idea what the interest rate was at the time of opening account so the company could put anything in a reconstituted document and I would be none the wiser.

  2. I think I have spotted a way. The creditor says 0% for the first 9 months but the statements show interest has been applied in the first 9 moths.

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