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consumer hire and hire purchase agreements

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  • 11-12-2002 8:50pm
    #1
    Guinnessman
    Closed Accounts Posts: 300 ✭✭


    I am doing an essay(2000words) on the difference between a consumer hire agreement and a hire purchase agreement. Any help out there?
    Also another essay on what changes from a consumer's interest, in the provision of hire purchase agreements is needed in the Consumer Credit Act 1996. Any reference material or web site addresses would be appreciated.


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    #2
    RainyDay
    Closed Accounts Posts: 6,925 ✭✭✭RainyDay


    Check out European Consumer Centre and Consumer Association of Ireland


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    #3
    Victor
    Registered Users Posts: 78,370 ✭✭✭✭Victor


    First off it is the CONSUMER CREDIT ACT, 1995 (24 of 1995). (note this act says you must clarify what type of agreement is being proposed in your advertising)

    Full text http://193.120.124.98/ZZA24Y1995.html

    There are also:
    S.I. No. 113/2000: CONSUMER CREDIT ACT, 1995 (SECTION 2) REGULATIONS, 2000.
    S.I. No. 392/1999: CONSUMER CREDIT ACT, 1995 (SECTION 2) (NO. 2) REGULATIONS, 1999
    S.I. No. 186/1997: CONSUMER CREDIT ACT, 1995 (SECTION 3) REGULATIONS, 1997
    S.I. No. 121/1996: CONSUMER CREDIT ACT, 1995 (COMMENCEMENT) ORDER, 1996.
    S.I. No. 127/1996: CONSUMER CREDIT ACT, 1995 (SECTION 2) REGULATIONS, 1996
    S.I. No. 128/1996: CONSUMER CREDIT ACT, 1995 (SECTION 36) REGULATIONS, 1996.
    S.I. No. 129/1996: CONSUMER CREDIT ACT, 1995 (SECTION 37) REGULATIONS, 1996.
    S.I. No. 130/1996: CONSUMER CREDIT ACT, 1995 (SECTION 60) REGULATIONS, 1996.
    S.I. No. 131/1996: CONSUMER CREDIT ACT, 1995 (SECTION 86) REGULATIONS, 1996.
    S.I. No. 132/1996: CONSUMER CREDIT ACT, 1995 (SECTION 129) REGULATIONS, 1996.
    S.I. No. 245/1996: CONSUMER CREDIT ACT, 1995 (SECTION 28) REGULATIONS, 1996.
    S.I. No. 246/1996: CONSUMER CREDIT ACT, 1995 (SECTION 60) (No. 2) REGULATIONS, 1996.
    S.I. No. 247/1996: CONSUMER CREDIT ACT, 1995 (SECTION 120) REGULATIONS, 1996.
    S.I. No. 277/1996: EUROPEAN COMMUNITIES (CONSUMER CREDIT ACT, 1995) (AMENDMENT) REGULATIONS, 1996
    S.I. No. 369/1996: CONSUMER CREDIT ACT, 1995 (SECTION 2) (No. 2) REGULATIONS, 1996.

    Some banks get you to waive certain rights under the act - 10 day cooling off period, about contacting you at work.

    Problems arise where insurance, payment protection and the like attach to such contracts. Credit card companies can extend limits without the clients permission.

    Contact your local Money Advice Bureau and ask them what they think of the act. Tehy will be familiar with the greatest problems.


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    #4
    Guinnessman
    Closed Accounts Posts: 300 ✭✭Guinnessman


    Thanks very much for the advice and assistance


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