47.03 Affidavit Of Debt (In Proceedings To Which The Consumer Credit Act 1995 Or The European Communities (Consumer Credit Agreements) Regulations 2010 (S.I. 281 Of 2010) Apply)
This is Form 47.03, an Affidavit of Debt issued by the Courts Service of Ireland. You use this when a debt case falls under the Consumer Credit Act 1995 or the EU's Consumer Credit Agreements Regulations (S.I. 281/2010).
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47.03 Affidavit Of Debt (In Proceedings To Which The Consumer Credit Act 1995 Or The European Communities (Consumer Credit Agreements) Regulations 2010 (S.I. 281 Of 2010) Apply)
This is Form 47.03, an Affidavit of Debt issued by the Courts Service of Ireland. You use this when a debt case falls under the Consumer Credit Act 1995 or the EU's Consumer Credit Agreements Regulations (S.I. 281/2010).
Risk Radar
- Ensure you explicitly reference that the debt falls under the Consumer Credit Act 1995.
- Failing to swear the document before an authorized witness.
- Incorrectly citing the specific consumer credit legislation.
- Omitting the exact original loan/agreement amount.
- Not detailing how the debt was incurred (e.g., personal loan, credit card).
Plain English
Essentially, this form is a sworn statement about an outstanding debt in a court case. It confirms that you owe money and details the circumstances of that debt under specific Irish consumer credit laws.
Submission Date
- The deadline is dictated by the court case itself; check your court notices. Always aim to file well ahead of any listed hearing date.
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
What this form is for
- • Use this when you are formally proving a debt in court.
- • The debt must relate to a loan or credit agreement.
- • It specifically applies if the Consumer Credit Act 1995 governs the case.
- • Alternatively, use it if EU's Consumer Credit Agreements Regulations (S.I. 281/2010) apply.
Use this form or another form?
| Situation | Likely form | Why it matters | Check before you continue |
|---|---|---|---|
| Debt is simple/not consumer related | Standard Affidavit of Debt (Other Forms) | If the debt isn't tied to consumer credit rules, use a general form. | Check the nature of the original loan. |
| Credit agreement is old/pre-1995 | Older version of Form 47.03 | The structure or required declarations might differ slightly from current versions. | Look for date stamps on older copies. |
| Debt involves a company (CRO) | Affidavit specific to CRO debt | If the debtor is a registered Irish company, check if there's a dedicated corporate version. | Verify if the creditor is an individual or business. |
| Not sure which Act applies | General Debt Statement Form | The Courts Service may have a catch-all form for initial filing. | Review the original loan documentation carefully. |
Deadline or filing window
The deadline is dictated by the court case itself; check your court notices. Always aim to file well ahead of any listed hearing date.
Before you submit
- • Fill out every field completely; do not leave blanks unless instructed.
- • Sign the form in ink where required (the affiant must sign).
- • Date the affidavit clearly when it is signed.
- • Ensure any accompanying documentation (like loan agreements) are ready to attach.
- • Confirm the court/jurisdiction details match where the case is lodged.
- • Check that the name and address of the debtor are accurate.
How to file this form
- 1Complete all sections of Form 47.03 accurately.
- 2Sign and date the document as the person swearing the debt (the affiant).
- 3Attach supporting evidence proving the debt amount.
- 4File the form at the relevant Courts Service office or via the online portal.
- 5Receive a confirmation number if filing electronically.
Known limitations
- • This form only confirms the existence of the debt; it does not dictate the repayment terms.
- • It is specific to cases under the 1995 Act or S.I. 281/2010 regulations.
- • The Courts Service may require additional affidavits depending on the case complexity.
- • Not confirmed in official source: It does not guarantee that this affidavit will be accepted by a judge.
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This is Form 47.03, an Affidavit of Debt from the Courts Service. It remains a standard document for debt cases covered by specific consumer credit legislation.
Agency: Courts Service of Ireland
What changed or needs a fresh check
- • Check the date printed on the top of the form.
- • Verify if the reference to 'S.I. 281 Of 2010' is current.
- • Confirm the required signature blocks match the latest Courts Service template.
- • Look for any amendments listed near the header or footer.
- • Ensure there are no placeholders left blank from previous drafts.
Quick Facts
Form Details
- Agency
- Courts Service of Ireland
- Category
- Other Court Forms
- Source
- Court Forms ↗
- Revision Date
- 23/10/25
Downloads
47.03 Affidavit Of Debt (In Proceedings To Which The Consumer Credit Act 1995 Or The European Communities (Consumer Credit Agreements) Regulations 2010 (S.I. 281 Of 2010) Apply)
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After you file
- • Keep a copy of the fully executed Form 47.03 for your records.
- • Note down the court file number assigned to your case.
- • Track when the opposing party acknowledges receipt of this affidavit.
- • If required, prepare further evidence to support the debt claim.
- • Monitor the Courts Service portal or correspondence for next steps.
Source and verification log
- • Issued by: Courts Service of Ireland (COURTS)
- • Form Number: 47.03
- • Legislation Covered: Consumer Credit Act 1995
- • Regulation Covered: European Communities (Consumer Credit Agreements) Regulations 2010 (S.I. 281/2010)
Common confusion points
4 things to watch for
- 1
Confusing 'Affiant' with 'Debtor': The affiant is usually the person *swearing* the debt (often the creditor).
- 2
Not knowing which Act applies: If unsure, check your original loan paperwork first.
- 3
Thinking it's a payment plan proposal: This form confirms *what* is owed, not necessarily *how* it will be paid back.
- 4
Signing vs. Swearing: Signing is the action; swearing is the legal declaration made before a witness/Justice of the Peace.
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