000			01423cad a22002055a 4500
001			E149617
008			100326e20091105xxk v 000 0 eng d
035			_a(Sirsi) u149617
041	0		_aeng
245	0	0	_aSouthern Pacific Mortgage Ltd v Jayne Elizabeth Heath _h[electronic resource]
260			_c2009
520			_a[2009] EWCA Civ 1135, 5 November 2009. Concerns the correct interpretation of the Consumer Credit Act 1974 S18. H had a £19 000 mortgage on a property, and subsequently re-mortgaged with a different lender for £29 000, the first mortgage being redeemed using part of this sum. The Consumer Credit Act at the time did not apply to credit over £25 000, and so its rules were not followed in respect of this transaction, however it was argued on behalf of H that the redemption of the first mortagage and the rest of the transaction should be treated separately, thus meaning that the terms of the Act should have been applied. "Held": appeal dismissed. The agreement could not be taken apart in this way, and was not therefore an agreement regulated under the Act.
590			_aKA
650	2	4	_aSOUTHERN PACIFIC MORTGAGE LTD V HEATH
650	2	4	_aCONSUMER CREDIT ACT 1974 S18
651		4	_aEngland and Wales _y1543-
690			_aResidential property _96266
856	4	0	_uhttps://www.bailii.org/ew/cases/EWCA/Civ/2009/1135.htm _zView the judgement free of charge at www.bailii.org...
942			_n0
999			_c82230 _d82230