This legislation has been repealed.
(1) An amount of civil
penalty ordered by the Court to be paid on an application for an order made by
a debtor or a guarantor may be set off by the debtor or guarantor against any
amount that is due or becomes due to the credit provider under the credit
contract. If there is no such amount, the amount of the civil penalty is a
debt due by the credit provider to the debtor or guarantor.
(2) An order made on
application by a debtor or a guarantor may include such directions as the
Court considers appropriate relating to the payment of the amount owed by the
debtor or the credit provider as a result of the order.