Does anyone have a copy of CH/3393/2003? Concerns treatment of income from borrowing on credit cards.

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CH/3393/2003 is now available on rightsnet.

Thanks - I think that whatever the correct legal approach, this is a decision which is undesirable in social policy terms: withdrawing cash on credit cards may be counted as income provided that the minimum monthly repayments are maintained.

However, in case anyone reading this thinks this is definitive: it may well not be settled law because the Commissioner in R(H) 5/05 (para 48) hinted at a desire to consider whether CH/3393/2003 was correctly decided.

I suspect that one would need to have an undertanding of consumer credit and banking law to make progress and it may also depend on the terms of each credit card agreement.