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Consumer Credit Act 1974
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- 1974 c. 39
- Part VII
- Early payment by debtor
- Section 97
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- Act power to amend conferred by 2011 c. 16 s. 30(1)
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- s. 95B inserted by 2011 c. 16 s. 29(2)
97 Duty to give information.E+W+S+N.I.
(1)The creditor under a regulated consumer credit agreement, within the prescribed period after he has received a request F1. . . to that effect from the debtor, shall give the debtor a statement in the prescribed form indicating, according to the information to which it is practicable for him to refer, the amount of the payment required to discharge the debtor’s indebtedness under the agreement, together with the prescribed particulars showing how the amount is arrived at.
(2)Subsection (1) does not apply to a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.
[F2(2A)A request under subsection (1) need not be in writing unless the agreement is secured on land.]
(3)If the creditor fails to comply with subsection (1)—
(a)he is not entitled, while the default continues, to enforce the agreement; F3. . .
(b)F3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Amendments (Textual)
F1Words in s. 97(1) omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(a), 99(1) (with regs. 100, 101)
F2S. 97(2A) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(b), 99(1) (with regs. 100, 101)
F3S. 97(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) regs. 30(1)(3), Sch. 2 para. 23, {Sch. 4 Pt. 1} (with savings in reg. 28(2)(3))
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