
1 

(1) These Regulations may be cited as the
Consumer Credit (Enforcement, Default and Termination Notices) Regulations
1983 and shall come into operation on 19th May 1985.
(2) In these Regulations, 
“the Act” means the 
Consumer Credit Act 1974.
2 

(1) Any notice to be given by a creditor
or owner in relation to a regulated agreement to a debtor or hirer under 
section 76(1) of the Act (which relates to
the duty to give notice to the debtor or hirer (non-default cases) before
taking certain action to enforce a term of an agreement) shall contain—

(a) a statement that the notice is served
under section 76(1) of the 
Consumer Credit Act 1974;
(b) the information set out in paragraphs 1 to 5 of Schedule 1
to these Regulations; and
(c) statements in the form specified in paragraphs 6 to 8 of that Schedule.

(2) Any notice to be given by a creditor
or owner in relation to a regulated agreement to a debtor or hirer under 
section 87(1) of the Act (which relates to
the necessity to serve a default notice on the debtor or hirer in accordance
with section 88
before taking certain action by reason of any breach of the agreement by the
debtor or hirer) shall contain—
(a) a statement that the notice is a default
notice served under section 87(1)
of the Consumer Credit Act 1974;

(b) the information set out in paragraphs 1 to 3, 6
and 8 of Schedule 2 to these
Regulations; and
(c) statements in the form specified in 
paragraphs 4, 5, 
7 and 9 to 11
of that Schedule.
(3) Any notice to be given by a creditor
or owner in relation to a regulated agreement to a debtor or hirer under 
section 98(1) of the Act (which relates to
the duty to give notice to the debtor or hirer (non-default cases) of termination
of an agreement) shall contain—
(a) a statement that the notice is served
under section 98(1) of the 
Consumer Credit Act 1974;
(b) the information set out in paragraphs 1 to 5 of Schedule 3
to these Regulations; and
(c) statements in the form specified in paragraphs 6 to 8 of that Schedule.

(4) The lettering in any notice given under 
paragraph (1), (2)
or (3) above shall, apart
from any signature, be easily legible and of a colour which is readily distinguishable
from the colour of the paper.
(5) Where any statement is required to be
in a form specified in a Schedule to these Regulations and is reproduced in
the notice, then apart from any heading to the notice, trade names or names
of parties to the agreement—
(a) the lettering in the statement shall
be afforded more prominence (whether by capital letters, underlining, large
or bold print or otherwise) than any other lettering in the notice; and
(b) where words are both shown in capital
letters and underlined in any statement specified in a Schedule to these Regulations,
they shall be afforded yet more prominence.
(6) The wording in any such statement shall
be reproduced in the notice without any alteration or addition, and in relation
to any statement to be contained in the notice the requirements of any note
shall be complied with, except that the words “the creditor”
 may be replaced by the name of the creditor, by the expression by
which he is referred to in the agreement or by an appropriate pronoun, and
any consequential changes to pronouns and verbs may be used.
(7) Where any note requires any words to
be omitted, those words shall be omitted or deleted.
(8) Where a notice is to be given under 
sections 76(1) and 98(1)
of the Act in relation to a regulated agreement, one notice may be given under
the two sections reproducing the combined effect of 
Schedules 1 and 3
to these Regulations.
(9) Sections
76(1), 87(1) and 
98(1) of the Act shall not apply in the case
of non-commercial agreements in relation to which no security has been provided.

Alexander Fletcher
Parliamentary Under-Secretary of State
Department of Trade and Industry
24th October 1983
SCHEDULE 1
Regulation 2(1)
1 
A description of the agreement sufficient to
identify it.
2 

(1) The name and a postal address of the
creditor or owner.
(2) The name and a postal address of the
debtor or hirer.
3 
The term of the agreement to be enforced, or
a reference to and a short description of that term.
4 
A clear and unambiguous statement by the creditor
or owner indicating—
(a) which (one or more) of the following
types of action he intends to take, in order to enforce the term of the agreement,—

(i) to demand earlier payment of any sum;

(ii) to recover possession of any goods or
land;
(iii) to treat any right conferred on the
debtor or hirer by the agreement as terminated, restricted or deferred;
(b) the manner and circumstances in which
he intends to take such action; and
(c) the date, being a date not less than
seven days after the giving of the notice, on or after which he intends to
take such action.
5 
Where the creditor or owner states that he intends
to demand earlier payment of any sum,
(a) the amount of the sum before deducting
the amount of any rebate on early settlement;
(b) where any rebate on early settlement
is allowable under the agreement or by virtue of 
section 95 of the Act—
(i) the amount of the rebate allowable calculated
on the assumption that early settlement takes place on the date specified
in the notice for earlier payment of the sum; and
(ii) the total amount to be paid by the debtor
after taking into account the amount of any rebate on early settlement, namely
the difference between the amount shown in paragraph
(a) above and the amount shown in 
sub-paragraph (i).
6 
A statement in the following form indicating
that the debtor or hirer is entitled to apply under 
section 129 of the Act in England and Wales
to the county court, in Scotland to the sheriff court or in Northern Ireland
to the High Court or the county court for a time order—“
IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING
UNDER THE AGREEMENT YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING
YOU OR ANY SURETY MORE TIME
”.
7 
A statement in the following form—“
IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET
HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR
LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS` ADVICE BUREAU
”.

8 
A statement in the following form—“
IMPORTANT—YOU SHOULD
READ THIS CAREFULLY
”.
SCHEDULE 2
Regulation 2(2)
1 
A description of the agreement sufficient to
identify it.
2 

(1) The name and a postal address of the
creditor or owner.
(2) The name and a postal address of the
debtor or hirer.
3 
A specification of:—
(a) the provision of the agreement alleged
to have been breached; and
(b) the nature of the alleged breach of the
agreement, specifying clearly the matters complained of; and either
(c) if the breach is capable of remedy, what
action is required to remedy it and the date, being a date not less than seven
days after the date of service of the notice, before which that action is
to be taken; or
(d) if the breach is not capable of remedy,
the sum (if any) required to be paid as compensation for the breach and the
date, being a date not less than seven days after the date of service of the
notice, before which it is to be paid.
4 
Where any action is specified under 
paragraph 3(c) or (d)
as required to be taken, a statement that the provision for the taking of
any action by the creditor or owner such as is mentioned in 
paragraph 6 will be ineffective if the breach
is duly remedied or the compensation is duly paid in the following form—
“
IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION
WILL BE TAKEN IN RESPECT OF THE BREACH
”.
Note:
This statement shall follow the specification
under paragraph 3(c) or 
(d) of any action required to be taken.
5 
Where any action is specified under 
paragraph 3(c) or (d)
as required to be taken, a statement indicating the consequences of the failure
by the debtor or hirer to comply with the default notice in the following
form—“
IF YOU DO NOT
TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE
SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST
YOU [OR A SURETY]
”.
Notes:
1. This statement shall be followed by the specification
under paragraph 6
of the further action intended to be taken by the creditor or owner.
2. Creditor or owner to omit words in square brackets
if there is no specification under paragraph
6(e) of any action intended to be taken to
enforce any security.
6 
A clear and unambiguous statement by the creditor
or owner indicating, if any action specified under 
paragraph 3(c) or (d)
as required to be taken is not duly taken or if no such action is required
to be taken, the action which he intends to take by reason of the breach by
the debtor or hirer of the agreement—
(a) to terminate the agreement;
(b) to demand earlier payment of any sum;

(c) to recover possession of any goods or
land;
(d) to treat any right conferred on the debtor
or hirer by the agreement as terminated, restricted or deferred;
(e) to enforce any security;
(f) to enforce any provision of the agreement
which becomes operative only on a breach of another provision of the agreement
as specified in the notice,
at any time on or after the date specified under 
paragraph 3(c) or (d),
or, if no action is specified under that paragraph as required to be taken,
indicating the date, being a date not less than seven days after the date
of service of the notice, on or after which he intends to take any action
indicated in this paragraph.
7 
In the case of a regulated hire-purchase or
conditional sale agreement relating to goods, where the property in the goods
remains in the creditor, a statement in the following form—“
BUT IF YOU HAVE PAID AT LEAST ONE-THIRD OF THE
TOTAL AMOUNT PAYABLE UNDER THE AGREEMENT SET OUT BELOW (OR ANY INSTALLATION
CHARGE PLUS ONE-THIRD OF THE REST OF THE AMOUNT PAYABLE). THE CREDITOR MAY
NOT TAKE BACK THE GOODS AGAINST YOUR WISHES UNLESS HE GETS A COURT ORDER.
(IN SCOTLAND, HE MAY NEED TO GET A COURT ORDER AT ANY TIME.) IF HE DOES TAKE
THEM WITHOUT YOUR CONSENT OR A COURT ORDER, YOU HAVE THE RIGHT TO GET BACK
ALL THE MONEY YOU HAVE PAID UNDER THE AGREEMENT SET OUT BELOW
”.
Note:
This statement shall follow the specification
under paragraph 6
of the further action intended to be taken by the creditor or owner and be
followed by—
(a) either 
(i) the total amount payable under the agreement,
or
(ii) where there is an installation charge, separately,
the amount of the installation charge and the rest of the total amount payable
under the agreement; and
(b) the total amount that the debtor has paid to the
creditor by the date of the giving of the notice.
8 
Where a sum of money is required to be paid
under the notice,
(a) the amount of the sum before deducting
the amount of any rebate on early settlement;
(b) where any rebate on early settlement
is allowable under the agreement or by virtue of 
section 95 of the Act—
(i) the amount of the rebate allowable calculated
on the assumption that early settlement takes place on the date specified
in the notice for earlier payment of the sum; and
(ii) the total amount to be paid after taking
into account the amount of any rebate on early settlement, namely the difference
between the amount shown in paragraph (a)
above and the amount shown in sub-paragraph (i)
.
9 
A statement in the following form indicating
that the debtor or hirer is entitled to apply under 
section 129 of the Act in England and Wales
to the county court, in Scotland to the sheriff court or in Northern Ireland
to the High Court or the county court for a time order—“
IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING
UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU
CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU OR ANY SURETY
MORE TIME
”.
10 
A statement in the following form—“
IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET
HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR
LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS` ADVICE BUREAU
”.

11 
A statement in the following form—“
IMPORTANT—YOU SHOULD
READ THIS CAREFULLY
”.
SCHEDULE 3
Regulation 2(3)
1 
A description of the agreement sufficient to
identify it.
2 

(1) The name and a postal address of the
creditor or owner.
(2) The name and a postal address of the
debtor or hirer.
3 
The term of the agreement providing for termination
of the agreement by the creditor or owner, or a reference to and a short description
of that term.
4 
A clear and unambiguous statement by the creditor
or owner—
(a) indicating that by the giving of the
notice he is terminating the agreement and indicating any steps that he intends
to take to effect the termination or, as the case may be, indicating the manner
and circumstances in which he intends to take action to terminate the agreement;
and
(b) indicating the date, being a date not
less than seven days after the giving of the notice, of the termination or,
as the case may be, the date on or after which he intends to take action to
terminate the agreement.
5 
Any right or liability that will arise by reason
of the termination of the agreement and the date by which the right or liability
will arise, including—
(a) the amount of any sum payable by the
debtor or hirer before deducting the amount of any rebate on early settlement;

(b) where any rebate on early settlement
is allowable under the agreement or by virtue of 
section 95 of the Act—
(i) the amount of the rebate allowable calculated
on the assumption that early settlement takes place on the date specified
in the notice for earlier payment of the sum; and
(ii) the total amount to be paid by the debtor
after taking into account the amount of any rebate on early settlement, namely
the difference between the amount shown in paragraph
(a) above and the amount shown in 
sub-paragraph (i).
6 
A statement in the following form indicating
that the debtor or hirer is entitled to apply under 
section 129 of the Act in England and Wales
to the county court, in Scotland to the sheriff court or in Northern Ireland
to the High Court or the county court for a time order—“
IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING
UNDER THE AGREEMENT, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING
YOU OR ANY SURETY MORE TIME
”.
7 
A statement in the following form—“
IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET
HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR
LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS` ADVICE BUREAU
”.

8 
A statement in the following form—“
IMPORTANT—YOU SHOULD
READ THIS CAREFULLY
”.