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Section 95A(2)

CCA 1974
Consumer Credit Act 1974 · United Kingdom

The creditor may claim an amount equal to the cost which the creditor has incurred as a result only of the debtor's indebtedness being discharged during that period if— the amount of the payment under section 94 exceeds £8,000 or, where more than one such payment is made in any 12 month period, the total of those payments exceeds £8,000, the agreement is not a debtor-creditor agreement enabling the debtor to overdraw on a current account, and the amount of the payment under section 94 is not paid from the proceeds of a contract of payment protection insurance.

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