Consumer Credit Act, 1995
|
Duty to disclose information concerning financial standing of consumer. |
142.—(1) Where a creditor or an owner refuses to enter into an agreement with a consumer, he shall disclose to the consumer the name and address of any person from whom he sought information concerning the financial standing of the consumer who gave information which influenced the refusal, within 14 days after receiving a request in writing to that effect from the consumer. | |
(2) Subsection (1) does not apply to a request— | ||
(a) received more than 28 days after the refusal, or | ||
(b) which relates to information to which the Data Protection Act, 1988 , applies being data within the meaning of that Act. | ||
(3) Subject to subsection (4), a person who has supplied information to a creditor or an owner in respect of the financial standing of a consumer in respect of an agreement shall give to the consumer a copy in legible form of any information held by that person concerning the financial standing of the consumer, within 14 days after receiving a request in writing to that effect from the consumer, together with a fee of £5, or such other amount (if any) as may stand specified in regulations. | ||
(4) Subsection (3) does not apply to a request— | ||
(a) received more than 28 days after the name and address referred to in subsection (1) has been given, or | ||
(b) which relates to information to which the Data Protection Act, 1988 , applies being data within the meaning of that Act. |