Orders of the Day — Consumer Credit Bill

Part of the debate – in the House of Commons at 12:28 pm on 9th June 2005.

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Photo of Michael Jabez Foster Michael Jabez Foster Labour, Hastings and Rye 12:28 pm, 9th June 2005

My hon. Friend obviously does not want to make the case law today even though many of us wish that he would. Is not the issue that if the matter is left to the courts, the man on the Clapham omnibus will provide the test—an objective test? Credit, however, is very much a subjective problem, and poor people lose out. Does he not agree that the test should at the very least include the personal circumstances of the individual when determining whether a bargain is fair or unfair?