Consumer Credit

Confidentiality Agreements? We can help.

Our Commercial Law Solicitors are here to help and advise you on a variety of commercial law matters, including consumer credit, banking, commercial debt recovery, and creditor services. We are available over a phone call, email, or in person, whatever suits you.


Consumers, who engage in credit agreements, hire agreements, loans, or running accounts for credit, such as store cards and credit cards, are protected by the law. Consumers are protected under the Consumer Credit Act (CCA) of 1974, whether they are individuals or partnerships with up to 3 members. When conditions of the CCA are not followed, such as when the consumer is in arrears or a defaulter, the Act can be employed to file a claim.

Our solicitors act quickly to protect your interests. They also assist in challenging non-compliant consumer credit agreements. SI solicitors assist you in all consumer credit claims involving:

  • Credit and store cards
  • Hire purchase contracts
  • Conditional sale contracts
  • Bank loans
  • Secured/unsecured loans

Our solicitors also assist in cases that involve ‘loan sharks’, when debt has accumulated and legal proceedings have been considered, for example, in the case of bailiffs.

How our Commercial Law Solicitors can help?

Our Commercial Law Solicitors at Solicitors INN have an in-depth knowledge of commercial law. Whether you have a new small business or a well-established organization, we offer customized legal solutions to your challenges. We provide comprehensive advice and representation on a wide range of commercial trading and business arrangements, including buying/selling a business, commercial contracts, liabilities, and joint ventures.

The lender must provide all credit and loan contracts in writing, specifying how much the debtor would pay. A consumer can question the legality of a credit and loan agreement if the conditions are not stated accurately.

There are specific steps that lenders must take in the case of nonpayment. A consumer’s house may be at risk if a creditor initiates legal action against them for arrears or default on a credit agreement. However, if the regulations of the Consumer Credit Act are ignored, or if the consumer is not adequately informed about what they are signing, they may be eligible to claim compensation. The Consumer Credit Act does not cover limited companies.

In some credit terms, if a consumer defaults on payments, the lender can repossess the assets as in the case of hire purchase; repossession is legal if less than one-third of the loan is paid. Still, the lender first needs to acquire a court order.

We submit the applications along with all the required documentation and pieces of information on behalf of the client in time. We obtain updates and provide you with updates on your Commercial Law matters without any delay.

How to get started?

To book an initial consultation please fill in the form below and someone from our team will contact you as soon as possible. We’re here to answer your questions. If you prefer to contact us by phone then call us on  0203 500 8000 or email us at

Why choose Solicitors’ Inn?

Our Commercial Law Solicitors can communicate with you in your own language. We can discuss your commercial law matters in Arabic, Chinese, English, French, German, Hindi, Pashto, Punjabi, Saraiki, Sindhi, Tamil, and Urdu. Talk to our Commercial Lawyers today to book an appointment.

Book your Appointment with Solicitors' Inn