If your agreement is covered by the Consumer Credit Act, your creditor must follow all 3 steps of the process before taking you to court for debt. If you’re not sure, find out if your credit agreement is covered by the Consumer Credit Act.
When you borrowed the money you should have been asked to sign an agreement which says what you and your creditor agree to.įor most credit agreements, you’ll be covered by the Consumer Credit Act. If they haven’t, you might be able to challenge the claim.
Your creditor has to send you the right documents before taking you to court. Check your creditor has sent you the right documents Get legal advice if you have creditors in the EU. They can’t take you to court if you’re only in the EU for a short time - for example, a holiday.
But if you’re living in the EU, they can take you to court in the EU. If you're in the UK they can only take you to court in the UK, unless they’re taking action over a property. If you have creditors in the EU they might be able to take you to court. If you owe money to people or companies in the EU
