Consumer Credit Act 2025 · Updated to 31 Dec 2025 · Part V · Licensing and Registration
78. Presumption as to business of providing credit or credit service
Feedback & supportWhere in any court proceedings against any person, it is alleged that such person is a credit provider, the proof of a single credit transaction made by such person shall raise a presumption that such person is carrying on the business of providing credit to a credit consumer until the contrary is proved.
person
“person” includes an individual, any sole proprietorship, corporation, statutory body, local authority, society, trade union, co-operative society, partnership and any other body, organization, association or group of persons, whether corporate or unincorporate;
Where in any court proceedings against any person, it is alleged that such person is a credit service provider, the proof of a single service provided by such person relating to credit shall raise a presumption that such person is carrying on the business of providing credit service involving a credit consumer until the contrary is proved.
credit service provider
“credit service provider” means a person who carries on a credit service business where the person— (a) is registered under Part V of this Act; (b) is registered to do so under the Capital Markets and Services Act 2007; or (c) is a permit holder under the Hire-Purchase Act 1967;