The monthly round-up of news, guidance, legislation, and case law from Shelter's Specialist Debt Advice Service.
News and legal updates
This month's legal round up includes the government announcement of planned Consumer Credit Act reforms.
Consumer Credit Act reform
HM Treasury has announced that it plans to ‘modernise’ the Consumer Credit Act 1974 (CCA). The changes will have significant implications for debt advisers.
The majority of remaining CCA provisions will be repealed from legislation and potentially recreated in FCA rules. These include:
information requirements - pre-contract disclosures, post-contract statements, arrears notices, default notices
sanctions for non-compliance – unenforceability without a court order or until a breach is remedied, and not being able to add interest and charges for technical errors
voluntary termination of hire purchase and conditional sale agreements
There are some key provisions that will remain but could be subject to change following further consultation. These include:
time orders
pawnbroking
unfair relationships
The reforms will be legislated via the Financial Services and Markets Bill announced in the King’s Speech on 13 May 2026.
Fairbridge Capital Ltd v Chandu Patel and another
A stay on an eviction warrant was lifted after multiple breathing space moratoriums and a repayment offer had delayed eviction.
Read the summary of Fairbridge Capital Ltd v Chandu Patel on Shelter Legal.
Spotlight
This month's article from Shelter.
Council tax enforcement reforms
New reforms to council tax collection and enforcement practices across England and Wales are being welcomed as a significant step toward fairer treatment for households facing financial hardship.
Aadal Shafiq reports on how recent changes to enforcement legislation and guidance on council tax recovery help low-income taxpayers.