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Newer version available

There is a newer version of this publication available:
Debt Advice Handbook 14th edition

Debts regulated by the Consumer Credit Act 1974
If the court action concerns a regulated credit agreement (except secured loans treated as regulated mortgage contracts – see here), the creditor must first send the client a default notice before it can take action to repossess goods or property (see here).
The High Court cannot deal with claims related to secured or unsecured regulated credit agreements, or actions linked to such agreements, regardless of the amount of the claim.
If the client’s case involves a regulated credit agreement (or any other case) being dealt with in the High Court, you should get specialist advice.