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Hi, Thank you for your question and welcome. My name is ***** ***** I will assist you. There are two points you have to consider here:
- In England and Wales all Consumer Credit Agreements are governed by the Consumer Credit Act 1974 (unless exempt)
- Certain activities are regulated by the Financial Conduct Authority by virtue of the Financial Services and Markets Act 2000 - including business that give financial advice or sell consumer credit products
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