20A term which has the object or effect of excluding or hindering the consumer’s right to take legal action or exercise any other legal remedy, in particular by—
(a)requiring the consumer to take disputes exclusively to arbitration not covered by legal provisions,
(b)unduly restricting the evidence available to the consumer, or
(c)imposing on the consumer a burden of proof which, according to the applicable law, should lie with another party to the contract.