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Consumer credit

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The maximum number of any one publication that can be ordered online is 20. Orders can also be made by ringing 0800 389 3158, including orders exceeding the maximum. If you have any problems please email webeditor@oft.gov.uk

Leaflet reference Publication title and description Quantity required
OFT1338con Debt management (and credit repair services) guidance - a consultation (June 2011)
This consultation is aimed at all those with an interest in, or involved in, the provision of regulated debt counselling, debt adjusting and credit information services (including credit repair).
Debt management (and credit repair services) guidance - a consultation (pdf 865 kb) 		Download only
OFT1307con Credit brokers and intermediaries (June 2011)
Draft OFT guidance for brokers, intermediaries and the consumer credit and hire businesses which employ or use their services - a consultation
OFT1307con Credit brokers and intermediaries (pdf 892 kb) 		Download only
oft1232 Review of high cost credit - final report (June 2010)
A review of the £7.5 billion high-cost credit sector.
Review of high-cost credit - final report (pdf 451 kb) Annexe A: Consumer decisions, information and understanding - A behavioural economics perspective (pdf 1.51 mb) Annexe B: Evidence and arguments surrounding price control and interest rate caps for high-cost credit (pdf 493 kb) Annexe C: Supplementary analysis from the OFT's consumer survey and other sources of data (pdf 482 kb) Annexe D: Theories of harm and consumer detriment (pdf 214 kb) Annexe E: Competition and profitability (pdf 980 kb) 		Download only
oft1150 Review of high-cost credit - interim research report (December 2009)
In December 2009, the OFT published its emerging evidence and interim report on its review of high-cost credit in the UK.
Review of high-cost credit (pdf 820 kb) Annex A - A survey of consumers of unsecured and high cost credit (pdf 937 kb) Annex B - International research: Case studies on Ireland, Germany and the United States (pdf 796 kb) Annex C - OFT International case studies: Australia and Canada (pdf 728 kb) Annex D - The UK Legal Framework and significant stakeholders for consumer credit (pdf 516 kb) Summary report: High-cost consumer credit – emerging evidence from the review (pdf 395 kb) 		Download only
oft 301 Right to recover brokerage fees (June 2008)
A guidance note outlining the OFT's views on recovering brokerage fees (section 155) under the Consumer Credit Act 1974
Consumer Credit Act 1974 section 155 - right to recover brokerage fees (pdf 177 kb) 		Download only
oft 705 Debt consolidation (March 2004)
This report sets out the findings of a study by the OFT into the use of debt consolidation by consumers.
Debt consolidation (pdf 312 kb)
oft 300 Credit advertising - 'from APRs' (February 2000)
A guidance note outlining the Director General's views on the issue of complaints regarding the use of 'from APR' rates in credit advertisements
Credit advertising - 'from APRs' (pdf 35 kb) 		Download only
oft 299 Discounted APRs and PPI (February 2000)
A guidance note outlining the Director General’s views on the issue of credit advertisements which offer discounted APRs linked to payment protection insurance
Discounted APRs and PPI (pdf 39 kb) 		Download only
oft 298 Debt collection practices (January 2000)
A guidance note outlining the Director General's views on so-called 'look alike' letters and debt collection charges, in relation to his licensing responsibilities under the Consumer Credit Act 1974
Debt collection practices  (pdf 35 kb) 		Download only


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