Catalogue Credit

A lender must conduct reasonable and proportionate checks before increasing a credit limit to ensure the consumer can repay in a sustainable way.

A lender must conduct proportionate affordability checks before approving credit and credit limit increases, with the level of checks tailored to the credit amount and circumstances.

A lender must apply a default notice within three to six months of arrears accruing, and should not apply interest or charges after the default date, even when the consumer has health difficulties.

A credit provider must properly administer billing disputes and ensure correct billing, even when goods are supplied by a third party retailer.

A lender must carry out proportionate affordability checks before increasing a customer's credit limit to ensure the customer can repay the increased amount sustainably.

Lenders must carry out proportionate affordability checks and consider the information obtained to make fair lending decisions, ensuring repayments can be sustained without causing financial hardship.

A lender must carry out proportionate checks to ensure lending is sustainable, taking into account the consumer's income, expenditure, and ability to repay without undue financial strain.

Lenders must conduct reasonable and proportionate affordability checks that are borrower-focused, considering the consumer's ability to sustainably repay credit, especially as credit limits increase over time.

Lenders must carry out proportionate affordability checks and consider the information obtained to make fair lending decisions, not lending to those in financial hardship or where repayments cannot be sustained.

A catalogue credit provider is liable for failures in order processing and must ensure the consumer is charged only for goods actually retained, plus compensation for distress caused by service failures.

Lenders must carry out reasonable and proportionate affordability checks to ensure credit is sustainable, considering the borrower's overall financial circumstances and debt-to-income ratio.

A lender must have reasonable evidence that an applicant authorised a credit account before pursuing them for the debt, considering the balance of probabilities where evidence is incomplete or contradictory.

A lender must conduct proportionate affordability checks before providing credit and limit increases, and the overall lending relationship must not be unfair to the consumer under s140A of the Consumer Credit Act 1974.

A lender's liability for disputed goods under Section 75 of the Consumer Credit Act 1974 requires the item to cost between £30,000 and £100, and failure to meet these conditions means the lender has no duty to intervene in the supplier disp

A lender must conduct proportionate affordability checks that are borrower-focused, assessing both ability to repay and the sustainability of repayment on the consumer's circumstances.

When compensating for irresponsible lending, the compensation should offset the outstanding balance owed rather than be paid directly to the consumer, as this approximates the position the consumer would have been in had the lender not lent

A lender acts fairly when it performs reasonable and proportionate affordability checks before granting credit and increasing credit limits, with no signs of financial stress evident in the borrower's account management.

Lenders must carry out proportionate affordability checks before granting credit, with more extensive checks required as credit limits become more significant.

A creditor must carry out proportionate affordability checks when lending; failure to do so may create an unfair relationship under s.140A of the Consumer Credit Act 1974.

A financial provider must inform consumers of missed payments in a timely manner, even if not contractually obligated to do so, as good industry practice.

A creditor must carry out proportionate affordability checks before providing credit or increasing limits, or the lending relationship may be found unfair under s140A of the Consumer Credit Act 1974.

A lender must complete reasonable and proportionate affordability checks before offering credit, including verification of income and assessment of non-discretionary spending.

A lender must conduct reasonable and proportionate affordability checks before agreeing credit, with proportionality determined by the amount of credit and consumer's circumstances.

A lender must complete proportionate checks to ensure a consumer can afford to sustainably repay credit, with proportionality depending on the amount and term of lending and what the lender already knows.

A lender must carry out reasonable and proportionate affordability checks before providing revolving credit, based on sufficient information available at the time of assessment.

A creditor's lending relationship with a consumer may be unfair under s140A of the Consumer Credit Act 1974 if it failed to conduct appropriate affordability checks that would have revealed lending was unaffordable or irresponsible.

A lender may fairly report accurate missed payment information to credit reference agencies where the payment was genuinely not made by the due date, even if the reason for non-payment was due to third-party error.

Lenders must carry out reasonable and proportionate checks before lending that assess the borrower's ability to afford and sustainably repay the credit without financial harm.

A lender must carry out proportionate checks to ensure credit is provided responsibly and that repayment would be sustainable.

A creditor's lending decisions may create an unfair relationship under section 140A of the Consumer Credit Act 1974 if proportionate affordability checks would have revealed the borrower could not afford the credit.

Lenders must carry out proportionate affordability checks before agreeing to increase credit limits, considering the borrower's income, expenditure, and ability to repay sustainably.

A lender must carry out proportionate checks to assess affordability and sustainability of credit, considering the type, amount, duration and cost of credit alongside the borrower's individual circumstances.

Lenders must carry out proportionate affordability checks appropriate to the type and amount of credit before lending and must fairly consider the information obtained to make responsible lending decisions.

A creditor must carry out proportionate affordability checks to ensure sustainable repayment and avoid creating an unfair credit relationship under Section 140A of the Consumer Credit Act 1974.

A lender must carry out reasonable and proportionate affordability checks before lending, and must not create an unfair credit relationship by failing to do so when this would have revealed irresponsible or unaffordable lending.

A creditor may lawfully default an account when a consumer fails to maintain an agreed payment plan and remains in sustained arrears, provided it complies with ICO guidance on timing.

A lender must take reasonable steps to ensure it does not lend irresponsibly, and the fairness of a lending relationship must be assessed having regard to the whole history of the relationship under section 140A of the Consumer Credit Act 1

A complaint about unfair lending relationships under section 140A of the Consumer Credit Act 1974 can be made within a reasonable timeframe even if individual lending decisions occurred more than six years prior, provided the complaint is f

Lenders must carry out proportionate affordability checks considering the type, amount, duration and total cost of credit, and must assess whether the borrower can repay sustainably without financial difficulties.

A lender must complete proportionate affordability checks before agreeing credit and limit increases, considering the amount, term, and what is already known about the consumer.

A lender's relationship with a borrower is unfair under s140A Consumer Credit Act 1974 if it fails to conduct reasonable and proportionate affordability checks before lending or increasing credit limits.

A lender should not record a default while a temporary payment arrangement is being maintained and the consumer is keeping to agreed payments, as a default reflects breakdown of the relationship between parties.