Section 185(5)

An agreement for the provision of credit, or the bailment or (in Scotland) the hiring of goods, to two or more persons jointly where— is a consumer credit agreement or consumer hire agreement if it would have been one had they all been individuals; and each person within paragraph (b) shall accordingly be included among the debtors or hirers under the agreement. one or more of those persons is an individual, and one or more of them is not an individual ,

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Source: legislation.gov.uk · retrieved 2026-07-30