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Debt Collection

Volume 503: debated on Thursday 7 January 2010

To ask the Secretary of State for Justice in what circumstances bailiffs can be used to collect unpaid credit card debts. (308812)

Credit card judgment debts are treated as any other civil judgment debt for the purposes of enforcement, subject to any challenges the debtor makes in respect of the Consumer Credit Act 1974 (as amended by Consumer Credit Act 2006). However consumer credit debts remain in the county court for execution and they cannot be transferred up to the High Court for enforcement by a High Court enforcement officer as a normal county court judgment can.