It is important that you pay each unsecured loan repayment on each due date. If you do not make your payments on time, we may record it as a late payment or default on your credit file. This may make obtaining credit more difficult and/or more expensive for you in the future. Where an arrangement to pay has not been agreed we might instruct a third party debt collection agency or take legal action to recover the money you owe. Potential legal action may include, but no limited to, a County Court Judgment (CCJ) or an Attachment of Earnings Order (AOE) whereby your employer will be instructed by the courts to take an agreed amount from your wages at source. Failure to comply with an AOE may result in you attending court in person.