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an agreement (if concluded) that provides credit to the borrower for one of the objectives in points 2)b) (b) and (2) (b) (ii) below; or takes no further action to exercise or enforce the rights under the agreement; any person who takes steps to establish the identity or location (or means of determining the identity or location) of a borrower or tenant is exempt from collection activity as long as the person is not the lender or landlord in accordance with the agreement in question, does not undertake any other debt collection measures under the agreement and does not exercise any other obligation. b) indicate which items should be used to determine the total credit load and what the value of these items is; (c) these payments must be made within 12 months or less (from the date of the agreement); (ii) an agreement on the operation of a current account, under which the client („C“) may receive or receive the use of the money from the person with whom the account is held, is maintained or made available. it is presumed that the borrower entered into the agreement in whole or in part for the purposes covered by point b), unless paragraph 6 applies. (c) the borrower or the borrower`s relative enters into the transaction in order to induce the lender to enter into the main agreement or for other purposes related to the main agreement or transaction that must be financed or financed by the main agreement. 60M.-1) The RTC may adopt rules that define how the total commission of loans to the borrower is to be determined under a credit contract for the purposes of this chapter. The above amendment has important implications, not only for lenders, but also for consumer credit brokers. Depending on the type of agreements concluded by lenders or set up by brokers, these companies can now benefit from this exemption, thus avoiding the need to be FCA authorizations. If the lender is an organization covered in conc 1.3.4 R, the section 60E exemption, paragraph 2, of the Regulated Activities Regulation applies only to the agreement of a description under the CONC App 1.3.1R (2) conc App 1.3.1R (2) (c), which is an agreement to obtain money for the safety of a building. (b) any person who acted on behalf of the lender (or, if there is more than one lender, one of the lenders) in connection with the conclusion of the agreement, (a) the total amount that the borrower must repay to cover the borrower`s debt may vary according to a formula defined in the agreement that affects the evolution of an index or other factor. , or (a) the agreement is a borrower-lender-supplier contract for fixed-fund loans, b) the terms under which the loan is granted are more favourable to the borrower than the market conditions, either because the interest rate is lower than that prevailing in the market, or because the interest rate is not higher than that of the market , but the other conditions under which the loan is granted, are more advantageous to the borrower.