{
  "url": "https://openlegislation.uk/consumer-credit-act-2006/section-16",
  "json_url": "https://openlegislation.uk/consumer-credit-act-2006/section-16.json",
  "legislation": "ukpga/2006/14",
  "legislation_title": "Consumer Credit Act 2006",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-2006",
  "path": "section/16",
  "kind": "section",
  "number": "16",
  "heading": "Time orders",
  "text": "(1) In subsection (1) of section 129 of the 1974 Act (time orders) before paragraph (c) insert—\n“(ba) on an application made by a debtor or hirer under this paragraph after he has been given a notice under section 86B or 86C; or”.\n(2) After that section insert—\n“Debtor or hirer to give notice of intent etc. to creditor or owner\n129A (1) A debtor or hirer may make an application under section 129(1)(ba) in relation to a regulated agreement only if—\n(a) following his being given the notice under section 86B or 86C, he gave a notice within subsection (2) to the creditor or owner; and\n(b) a period of at least 14 days has elapsed after the day on which he gave that notice to the creditor or owner.\n(2) A notice is within this subsection if it—\n(a) indicates that the debtor or hirer intends to make the application;\n(b) indicates that he wants to make a proposal to the creditor or owner in relation to his making of payments under the agreement; and\n(c) gives details of that proposal.”\n(3) In section 143(b) of that Act (provision which may be made by rules of court in Northern Ireland) after “129(1)(b)” insert “ or (ba) ”.\n(4) In section 32(1) of the Sheriff Courts (Scotland) Act 1971 (c. 58) (regulation of civil procedure in sheriff court) after paragraph (l) insert—\n“(m) permitting the debtor or hirer in proceedings for—\n(i) a time order under section 129 of the Consumer Credit Act 1974 (time orders), or\n(ii) variation or revocation, under section 130(6) of that Act (variation and revocation of time orders), of a time order made under section 129,\nto be represented by a person who is neither an advocate nor a solicitor.”\n(5) In section 32(2B) of the Solicitors (Scotland) Act 1980 (c. 46) (offence for unqualified persons to prepare certain documents)—\n(a) after “represent” insert “ —(a) ”;\n(b) after “cause” insert—\n“(b) a debtor or hirer in proceedings for—\n(i) a time order under section 129 of the Consumer Credit Act 1974 (time orders); or\n(ii) variation or revocation, under section 130(6) of that Act (variation and revocation of time orders), of a time order made under section 129”.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "S. 16 in force at 1.10.2008 by S.I. 2007/3300, art. 3(3), Sch. 3"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/2006/14/section/16",
    "retrieved_at": "2026-10-29T09:14:50.175557+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}