Step 4 Dealing with your non-priority debts
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What if I have a complaint
about my credit agreement?
You have a right to complain to the Financial Ombudsman Service about how your lender or a debt collection
agency has dealt with your account. You will have to
follow your lender’s complaints procedure first, but
your lender only has one opportunity to deal with your
complaint before you can ask the ombudsman to look
at it. To make a complaint to the ombudsman, you need
to fill in their complaints form. You can either do this over
the phone or download the form from their website.
See our fact sheet:
You may also be able to ask the sheriff court to look at
the relationship between you and your lender. This could
lead to the court changing the terms of the agreement
and even reducing the balance, or ordering your lender to
pay the loan payments back to you. For more information
about the unfair relationships test, contact us for advice.
What if I already have
a sheriff court decree?
See our fact sheet:
If you already have a sheriff court decree, you need to decide whether or not to include any payments that the court has ordered, which should be shown in the household outgoings section of your household budget sheet, or whether to apply to the court to change the payments. Contact us for advice.
What if my creditors take court action?