Part IX gives the courts broad powers to reopen credit transactions considered to be blackmailed and gives them control over regulated agreements. Section 189 specifies that “courts” are the district court; All problems must be referred to the regional court, although certain situations related to extorted credit contracts may be sent to the High Court.  Debt advice is advice to debtors or tenants in the event of debt liquidation under consumer credit or consumer leasing contracts. This applies to any debtor advisor, whether it is free legal advice or not; For example, the Citizens` Advisory Office is considered a debt advisor, although its advisors are covered by a group license. Collection companies are covered by similar provisions and are defined as those that take steps to “settle debts due” under consumer credit and consumer leases. Those who “buy” debts and try to recover them are covered by this definition.  Partially regulated agreements are consumer or consumer credit contracts that are not exempt agreements, but are exempt from certain provisions of the law. The nature of these provisions depends on the nature of the agreement; non-commercial agreements and contracts with foreign elements. Credit brokers are people involved in negotiating transactions between potential credit-seeking debtors and creditors, usually in exchange for a commission. By law, the “credit broker” includes not only mortgage brokers and credit brokers, but also car dealers, stores that bring customers closer to rental financial institutions, and lawyers who negotiate advances for non-business-related clients. An exception is the ability to introduce and negotiate as an employee of a company.
 In September 1973, the government issued a white paper entitled Consumer Credit Reform, in which it announced its intention to implement almost all of the Crowther Committee`s consumer credit recommendations. The only real differences were an increase in financial protection caps from $2,000 to $5,000 (due to the loss of value of the money) and greater protection for tenants under lease-to-sale contracts.  7. The new Unfairness test must have a retroactive effect and will apply to all new credit contracts immediately after implementation and to existing credit contracts from a specified date (probably April 8, 2008).