If you received a credit for services, you will probably be reimbursed if you terminate the credit contract, if you have already made part of the payment, for example. B as a deposit. The Crowther Commission recommended that search at the front door be banned entirely for loans. The original provisions of the Act were indeed extremely strict and caused potential problems for other companies, but they have been significantly modified and now have only an impact on the advertising they were supposed to prevent. Canvassing is defined as a situation in which a person (the Canvasser) requests the registration of another person (of the consumer) in an agreement based on his oral representations during a visit to the Canvasser in “any place” for the purpose of such representations. Exceptions to “any place” are places where transactions are carried out on a permanent or temporary basis by the creditor, the owner, the supplier, the publicist, the employer of the advertiser or the consumer. Oral requests do not need to be made in person – they can be made over the phone or try to induce another person to persuade the consumer to enter into an agreement.  Debt adjustment is, when a business or individual negotiates with the creditor or owner in an agreement on behalf of the debtor, to change the terms of debt relief, to take over the debts in exchange for a payment by the debtor, or to engage in “any activity similar to the liquidation of a debt.” It is again a vast territory; The basic definition includes, among other things. B lawyers and accountants who act as negotiators for clients who owe money to a third party.
There are some exceptions; a lawyer who negotiates the payment of his client`s debts is not considered a debt adjuster, since he excludes, under Section 146 of the Act, “a lawyer who does litigation business,” as defined in the Solicitors Act of 1957.  Search for: “Consumer Credit Agreement” at Oxford Reference “If the agreement stipulates that consumer payments will not immediately amortize the credit, the contract should clearly state that the credit contract does not guarantee repayment of the total amount of credit under the credit contract, unless such a guarantee is provided. When the change in the reference rate is due to a change in the reference interest rate, the consumer and lender may agree that the consumer regularly receives information about changes in the reference rate. The reference rate is made available to the public appropriately and made available in the lender`s offices. There are certain formalities of entry into a regulated agreement, which are most often based on the documents to be provided. In accordance with Section 60, the Secretary of State is required to adopt certain provisions that cover the format that contracts are required to adopt. These regulations must ensure that the debtor is informed of the rights and/or obligations conferred on him by the agreement, the amount and rate of the total tax on credits, the protection and remedies available to him, as well as any “other matters that the Secretary of State feels he must entrust to him as part of the agreement.” The law allows the Director General of Fair Trade to waive certain requirements when it appears, when applying a consumer credit transaction, that their application would be unfeasible.  Before the contract is concluded, the lender must verify the creditworthiness of the consumer.