(1) If a creditor's rights under a credit agreement or the agreement itself are assigned to a third party, the consumer concerned is entitled to plead against the assignee any defence available to him or her against the original creditor, including set-off.

(2) The consumer shall be informed of an assignment referred to in paragraph (1) except where the original creditor, by agreement with the assignee, continues to service the credit vis-à-vis the consumer.