I've got similar issues with holmwoods termtime, and would be interested to hear how you get on. Found this on the oft website about which agreements are exempt form CCA: There are a number of exemptions from the 1974 Act. These are principally set out in section 16 and the Consumer Credit (Exempt Agreements) Order 1989 as amended. In particular, there are exemptions for: first charge mortgages regulated by the Financial Services Authority some second charge mortgages, depending upon the nature of the agreement and the identity of the lender agreements for goods or services where the consumer has to repay the credit within one year in four payments or less charge cards and similar agreements where the consumer has to repay the outstanding balance in full at the end of each period credit union agreements where the APR does not exceed 26.9 per cent credit agreements offered to a limited group of borrowers where the APR does not exceed a specified 'low cost' rate (set by reference to average base rates) certain agreements relating to overseas finance.