Arrestments in execution (following decree)

For consumer credit debts (eg, personal loans and credit cards), the creditor must take the client to court and obtain a decree.1s73A D(S)A 1987 They must wait 14 days to allow for any appeals against the decree before applying for an ’extract of the decree’. Once this is issued, the creditor can instruct a sheriff officer to execute an arrestment on a bank account. They do not need to serve a charge for payment.