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Consumer Contracts Regulations

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 came into force on 13 June 2014. They place obligations on traders requiring inclusion of certain terms in consumer contracts and provision of particular pre-contract information. The regulations also impose amended cancellation periods.

The regulations apply to distance, off-premises and on-premises contracts made on or after 13 June 2014, although not all parts of the regulations apply to each type of contract. The regulations take effect alongside the Consumer Rights (Payment Surcharges) Regulations 2012 and they replace the Consumer Protection (Distance Selling) Regulations 2000 and the Cancellation of Contracts made in a Consumer’s Home or Place of Work Regulations 2008 (albeit these latter provisions still apply to contracts made before 13 June 2014).

The regulations only apply to contracts between traders and consumers. While the ‘trader’ definition remains similar to before, ‘consumer’ is now defined as an individual acting for purposes that are wholly or mainly outside that individual’s business, trade or profession, which means that a consumer may still receive protection where their dealings with a trader involve a mixture of business and personal…

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