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Consumer credit debt

Most types of consumer debts in the UK are regulated by the Consumer Credit Act 1974.

This Act covers your rights when you borrow money, the actions creditors can take if you fall behind with payments and safeguards to protect you from unfair lending or debt collection practices.

This section covers the main consumer credit debts, including credit cards, loans, store finance and payday loans. We’ll help you to understand more about each type of debt and how to deal with them if you’re in arrears.