Article 7:128ba Dutch Civil Code, Book 7

Paragraph 1

If the creditor's rights under the credit agreement, or the agreement itself, are transferred to a third party, the consumer may invoke against the transferee any defence that was available to him or her against the original creditor, including the right of set-off.

Paragraph 2

The consumer is informed of the transfer referred to in paragraph 1, except where the original creditor, by agreement with the transferee, continues to service the credit vis-à-vis the consumer.