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Assesment of catalogue credit from the OFT

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  • Assesment of catalogue credit from the OFT

    Consumer Credit Interventions Evaluation
    Prepared for Office of Fair Trading
    By IFF Research
    June 09

    Interesting read regarding the use of the CCA by catalogue companies.

    Originally posted by introduction
    8.1 The final case study looks into the business practices of Catalogue Mail Order Companies (CMOCs). A concern regarding certain CMOCs is that they operate on the basis of unsigned credit agreements, that is, they send out catalogues which include a credit agreement but consumers are often unaware of the agreement, its precise terms and their statutory rights. CMOCs may nevertheless continue their business as if the agreement has been signed. Some CMOCs may impose default and administrative fees or hire debt collectors to recover outstanding payments which in turn may negatively affect the consumer’s credit rating; sometimes without consumers being aware of this at all or signing a credit agreement.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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