As confirmed by the House of Lords in dimond/Lovell, leases are credit contracts subject to the Consumer Credit Act 1974 (CCA 1974) (as amended by the Consumer Credit Act 2006) and the Consumer Credit (EU Directive) Regulations 2010, SI 2010/1010, unless the conditions of the exemption are met. If it is established that the agreement is not exempt and therefore a regulated agreement, it is probably considered abusive under CCA 1974, S 61 (1) a) because it has not found at this stage the “total bar price for services”. Thank you very much. One question, and perhaps not the smartest, should a credit renter be registered with regard to the provision of credit? In both cases, the applicant could not read English and there was evidence that the rental documents had been amended in the first case by the owner company without the applicant`s knowledge. In Yorulmaz, the applicant`s oral evidence contained little similarity to his written statement. In both cases, the rental rights were rejected. The applicant`s arguments on this point were accepted by the High Court in the W/Veolia case in an agreement deemed unenforceable following the termination of contracts concluded in 2008 in a consumer home or in a place of consumption, etc. However, the “already paid payment” principle also appears to apply to agreements that are not applicable for other reasons. The regulation came into effect on October 1, 2008 and therefore does not apply to credit contracts entered into before that date. The purpose of registering the home sale applies only if the contract (the credit lease) is concluded during a visit to the consumer`s home or workplace (or to another person`s home). This will be the case for most credit leases, but there will be a few cases where the credit lease has been entered into in other circumstances, such as sent to the applicant. B or agreed by phone. It should be noted that these are not identical to those of the 1989 regulation: there remains a fascinating possibility that there will be credit renters who still use forms of agreements that precede the 2014 legislative amendments and who, fortunately, do not know that there are agreements that are not technically applicable.