As stated above, consumer protection during payment and securing by bill of exchange is governed by Sec. 12 of the Act on Consumer Credits, which transposes to our legal order pertinent European directive. According to cited provision, if consumer pays the consumer credit by the means of a bill of exchange or cheque, or if the payment is secured by them, the creditor is obliged to act in such a way to keep all the rights of the consumer arising from the agreement on consumer credit.