the consumer is not obliged to make the payment required by the contract; 86 by 56.3. In this case, the court indicated that the consumer should also have indicated the income from using the vehicle as a taxi. A credit agreement shall be considered ruthless where the creditor has not carried out the necessary assessment or concluded the credit agreement with the consumer, whereas the obesity of the information available to the creditor indicates that the consumer has not understood or appreciated the risks, costs or obligations of the consumer arising from the proposed credit agreement; or • the conclusion of that credit agreement would make the consumer over-indebted. An illegal provision is null and void. When a court is seized of a case relating to a credit agreement containing an illegal disposition, the court can only be the maximum amount of the prescribed interest rates and fees. The Ministry of Trade and Industry hopes the credit industry will not “jump on maximum rates” and said it has the power to adjust those rates quickly if necessary. A lender who has incurred costs in the seizure of goods during the execution of a debt may apply to a court for an order that the consumer pay the costs of the seizure. The Court of First Instance will only take such a decision if the consumer has provided false information about his address or location. . . .