Book excerpt: This is the Fourth Edition of this best-selling book. It provides a comprehensive summary of the current state of the law in this heavily litigated area. It includes coverage of the main cases from Dimond v Lovell, Burdis v Livesey, Clark v Ardington and Lagden v O'Connor through to Sayce v TNT, Copley v Lawn and Bent (No1 and No2). Issues covered include rates, impecuniosity, mitigation and various enforceability issues as well as The Cancellation of Contracts made in a Consumer's Home or Place of Work Regulations 2008, The Distance Selling Regulations and the concept of unfair relationships. Tim Kevan practised as a barrister for ten years specialising in, among other things, credit hire. He appeared in the Court of Appeal cases of Zoan v Rouamba and Ketley v Gilbert and was described by Chambers and Partners (in 2009) as "the credit hire junior." He is currently the co-editor of the Personal Injury Brief Update Law Journal (www.pibriefupdate.com). Aidan Ellis is a barrister at Temple Garden Chambers practising in credit hire and personal injury alongside his work for the International Criminal Court. He has written and lectured on credit hire and is also the co-editor of the Personal Injury Brief Update Law Journal (www.pibriefupdate.com).