Under the Consumer Credit Act 1974 the OFT has the power to:
If the OFT imposes any of the above you will get sent a notice by an adjudicator. When you receive a notice from the adjudicator, you can decide whether to make representations or not.
If you want to make representations you will need to write to the adjudicator or the adjudication unit within 21 days of receipt of the notice. If you are unable to meet the time limit, you should contact the adjudication unit at once.
Additionally, you have the right to appeal against the decision of the adjudicator to an independent tribunal, the First Tier Tribunal (Consumer Credit).
For more information on your rights see the guidance (pdf 95kb).
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