"This book is a clear and complete guide to the new and complex legislation surrounding consumer credit and the problems that arise in the credit industry. In a thorough treatment of the subject, the author examines the terminology of the Acts involved, the agreements to which the regulations apply, withdrawal and cancellation, debtors' and creditors' rights, the provision of security, the powers of the court and enforcement provisions. The approach is extremely practical and designed specifically to support the needs of the practitioner. Fully updated for the second edition, the author covers the impact of Financial Services Act 2012 and the FCA regulations and enforcement powers which come into force in 2014. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations. "--