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

(2) The consumer shall be informed of any 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.