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The first step is to ask yourself a few basic questions: The Consumer Credit Act will regulate the majority of credit agreements.
He was working for the united nations as an orthapedic surgeon which I thought was a bit of a story but I went along with it.
The consumer (the ‘debtor’) may pay a large initial deposit (such as with the purchase of a car), or not pay anything at all for the first year or two.
Either way, you will legally own the goods as soon as the credit sale agreement is made, even if you have paid nothing at all.
Where ‘interest-free credit’ is advertised, you will have a specified time to pay back the outstanding balance, otherwise the due balance will automatically roll into a longer term credit agreement where interest will be payable.
Under this arrangement, you will pay monthly instalments to hire the item, but will not legally own it until the final instalment has been paid.We will look at cooling off and required information in the following two sections.