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Convenient credit and consumer protection - a critical review of the responses of labour and coalition governments

Thomas, Rachel; Ryder, Nicholas

Authors

Rachel Thomas



Abstract

This article highlights how the overreliance on access to 'convenient credit' in the United Kingdom has illustrated the inherent low levels of consumer protection afforded to consumers by the Consumer Credit Act. Furthermore, this has also been fuelled by the deregulation of the consumer credit market in the 1980s and 1990s by the Conservative government and by the promotion of 'convenient credit' by the Labour government. The article comments on legislative measures initiatives designed to counter the problems associated with access to convenient credit and to improve the level of protection afforded to consumers. © 2011 Taylor & Francis.

Journal Article Type Review
Publication Date Mar 1, 2011
Deposit Date Jun 25, 2013
Journal Journal of Social Welfare and Family Law
Print ISSN 0964-9069
Electronic ISSN 1469-9621
Publisher Taylor & Francis (Routledge)
Peer Reviewed Peer Reviewed
Volume 33
Issue 1
Pages 85-95
DOI https://doi.org/10.1080/09649069.2011.571474
Keywords credit unions, debt, poverty, convenient credit, consumer protection
Public URL https://uwe-repository.worktribe.com/output/965034
Publisher URL http://www.tandfonline.com/doi/abs/10.1080/09649069.2011.571474
Contract Date Apr 13, 2016