Dealing with your non-priority debts

​Dealing with your creditors

Check the name on the agreement

Only the person who signs an agreement is responsible for the debt. If you take out an agreement jointly with another person, you are each responsible for the whole debt and not just part of it. This is called joint and several liability. Make sure the creditor knows that someone else is also responsible.

Check your credit agreement carefully. If you don't understand the terms or want to check that the agreement is in the correct format and that you are legally responsible for the debt, contact your local trading standards department or contact us for advice.

Under 16s

People under 16 cannot usually be held legally responsible for a contract they enter into. However, if the contract could be viewed as reasonable for their age and circumstances, the creditor could still try and take action against them. This is a complicated area of law. If you are under 16 and a creditor is threatening to take further action against you, contact us for advice.


Creditors may ask for a guarantor before agreeing to lend money. This means that if the person who has borrowed the money does not pay it back, the guarantor will be asked to pay. If you have a guarantor for one of your non-priority debts, or are a guarantor for someone else, contact us for advice.