Consumer Credit Act 1995
Making demands and threats in relation to unenforceable agreements.
49.—(1) A person shall not make a demand for payment or assert a present or prospective right to payment in respect of an agreement which is unenforceable under this Act.
(2) A person shall not, with a view to obtaining payment in respect of an agreement which is unenforceable under this Act—
(a) threaten to bring any legal proceedings,
(b) place or cause to be placed the name of any person on a list of defaulters or debtors or threaten to do so, or
(c) invoke or cause to be invoked any other collection procedure or threaten to do so.
(3) In any proceedings for an offence under this section, it shall be a defence for the person to show that he had reasonable cause to believe that there was a right to payment.