Section 49

It is an offence to canvass debtor-creditor agreements off trade premises. It is also an offence to solicit the entry of an individual (as debtor) into a debtor-creditor agreement during a visit carried out in response to a request made on a previous occasion, where— the request was not in writing signed by or on behalf of the person making it, and if no request for the visit had been made, the soliciting would have constituted the canvassing of a debtor-creditor agreement off trade premises. Subsections (1) and (2) do not apply to any soliciting for an agreement enabling the debtor to overdraw on a current account of any description kept with the creditor, where— the FCA has determined that current accounts of that description kept with the creditor are excluded from subsections (1) and (2), and the debtor already keeps an account with the creditor (whether a current account or not). A determination under subsection (3)(a)— may be made subject to such conditions as the FCA thinks fit, and shall be made only where the FCA is of opinion that it is not against the interests of debtors. If soliciting is done in breach of a condition imposed under subsection (4)(a), the determination under subsection (3)(a) does not apply to it.

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