Consumer-credit judgments and High Court enforcement

Whether a regulated consumer-credit judgment may be enforced in the High Court depends on the agreement, judgment and statutory restrictions.

Obtain the agreement, claim, judgment, certificate, writ and transfer documents. Apply section 141 of the Consumer Credit Act and transfer rules to the evidence.

A challenge does not itself stay enforcement. The consequences for fees, goods and costs depend on the order; cancellation and repayment are not automatic.

Sources and scope

This site concerns England and Wales. Principal sources include Schedule 12 to the Tribunals, Courts and Enforcement Act 2007, the Taking Control of Goods Regulations 2013, the Taking Control of Goods (Fees) Regulations 2014, CPR Part 84 and the GOV.UK bailiff guide.

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