Investor Presentaiton slide image

Investor Presentaiton

No. 46 of 2012 Consumer Protection [Rev. 2016] "consumer agreement” means an agreement between a supplier and a consumer in which the supplier agrees to supply goods or services for payment; "consumer report" means a written, oral or other communication of credit information or personal information, or both, pertaining to a consumer; "consumer transaction" means any act or instance of conducting business or other dealings with a consumer, including a consumer agreement; "cost of borrowing" means all amounts that a borrower is required to pay under or as a condition of entering into a credit agreement other than― (a) a payment or repayment of a portion of the principal under the agreement as prescribed; and (b) prescribed charges; "credit agreement" means a consumer agreement under which a lender extends credit or lends money to a borrower and includes a supplier credit agreement and a prospective consumer agreement under which an extension of credit, loan of money or supplier credit agreement may occur in the future, but does not include an agreement under which a lender extends credit or lends money on the security of a mortgage of real property or consumer agreements of a prescribed type; "credit card" means a card or device under which a borrower can obtain advances under a credit agreement, as defined in Part VII, for open credit; "credit information" means information about a consumer as to name, age, occupation, place of residence, previous places of residence, marital status, spouse's name and age, number of dependants, particulars of education or professional qualifications, places of employment, previous places of employment, estimated income, paying habits, outstanding debt obligations, cost of living obligations and assets; "credit repair" means services or goods that are intended to improve a consumer report, credit information, file or personal information, including a credit record, credit history or credit rating; "credit repairer" means— (a) a supplier of credit repair; or (b) a person who holds himself out as a person described in clause (a); "default charge" means a charge imposed on a borrower who does not make a payment as it comes due under a credit agreement or who does not comply with any other obligation under a credit agreement, but does not include interest on an overdue payment; "direct agreement” means a consumer agreement that is negotiated or concluded in person at a place other than― (a) at the supplier's place of business; or (b) at a market place, an auction, trade fair, agricultural fair or exhibition; "estimate" means an estimate of the total cost of work on and repairs to the goods being repaired; 8
View entire presentation