Course outline

This one-day session introduces how interest and charges can lawfully be used, and provides guidance on how to challenge charges that are unfair or unlawful.

Pre-requisites

None

Learning objectives

By the end of this course, you will be able to:

• define what interest and charges are, using legal definitions and principles of statutory and contractual law,
• identify the interest and charges permitted in the normal collection of non-priority debt and in consumer and housing contracts,
• identify the interest and charges permitted at the end of a CCA-regulated contract, including secured loans that reach the end of their term,
• take action about unfair or unlawful charging.

Delegate comments

“Basically the course gave you the tools to deal with situations as they arise, so the information I have from the course is close to my desk and there for reference. It has certainly given me more confidence, and I am now able to explain to clients to check agreements to check if there are clauses regarding interest charges, so if there are clauses that are detrimental to the client we would look to sort the debt as a priority.”
Stephen Heaps, Citizens Advice Bassetlaw

“It has been useful, I have already used resources to assist clients.”
Sue Allard, Derbyshire Law Centre

“Very accessibly analysed the different types of interest and the correct procedures to be followed by creditors, as well as giving practical casework tools for bringing challenges. I felt a lot clearer and more confident at the end of the course.”
John Kruse, Citizens Advice Expert Advice Team

Level: Caseworker / Specialist

CPD: 4.5 hours

Duration: One day