If you have a right of infringement or misrepresentation against the supplier of the goods or services, Article 75 gives you the same right against the creditor. Prior to the Consumer Credit Act, consumer credit legislation was slapdash and focused on certain areas and not consumer credit as a whole, such as money lenders and leases. Following the Crowther Commission report of 1971, it was decided that a comprehensive reform of consumer credit law was needed and a bill was submitted to Parliament. Although its progress was interrupted by Parliament by a general election, the law quickly came into force on July 31, 1974, thanks to the support of the government and the opposition. Courts may adopt enforceable titles for cases where the contract has been breached, except in situations where the contract has not been signed or where the conditions are not set out in the contract, in which case they are permanently unenforceable. Courts are also prohibited from issuing enforceable titles if the landlord or creditor has not given a copy of the agreement to the debtor or tenant before the contract begins. . . .