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Sunderland City Council

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Sunderland City Council
Civic Centre
Burdon Road
Sunderland
SR2 7DN

Tel. (0191) 520 5555
Calls may be recorded for quality and training purposes
Most loans that you have which aren't on a hire-purchase agreement, and aren't secured on your home, are what are called 'regulated' credit agreements.  If you have several debts, any loans are 'non-priority' debts.  This is because there are ways, through the courts, that you can make an arrangement to pay back the loan at a rate based on what you can afford.

Provided you keep to what you've agreed to pay, and payments are on time, the creditors cannot use methods like bailiffs to get your belongings.

If you haven't already looked for expert advice, you must do so if you receive a 'default notice' from the creditor, because this means that they can then take court action against you.

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last updated 16/08/07