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Topic: Debt | Show questions and answers for all topics
You must approach your local maintenance or magistrates court
You should notify the bank that you intend to defend yourself on the grounds of reckless lending.
You have a legal right to a statement of the amount owed and how it was calculated. It is also possible to ask for a discount on the collection fees and apparently this is often granted.
The courts ruled in 2018 that banks must bring both the money judgement as well as the application for a sale in execution on the same date.
The school does have a right to hand over unpaid fees to debt collectors if a parent has not applied for a fee exemption.