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Hendersons - Barristers' Chambers
Articles Banking, Finance & Financial Services 18th Feb 2014

Santander UK Plc v Harrison & Harrison

The capitalisation of mortgage payment arrears was not regulated by the Consumer Credit Act 1974 (“CCA”) where it did not amount to “credit in the form of a cash loan” but was the mere restructuring of an existing agreement by allowing more time to pay without making new funds available.

See Jonathan Lewis’ Alerter here.

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