Test 39 — Life in the UK Test Practice
About Test 39 (Official 3rd Edition Handbook)
Test 39 is a free 24-question practice test for British citizenship naturalisation and Indefinite Leave to Remain (ILR / settlement) applicants in the United Kingdom. Every question is written directly from the official Home Office handbook, Life in the UK: A Guide for New Residents (3rd Edition), covering British values, UK history, society, and government. To pass the official Life in the UK Test (booking fee £50 at gov.uk), candidates must answer at least 18 out of 24 multiple-choice questions correctly (75% pass mark) within 45 minutes.
Life in the UK Test 39
If you owe money to someone, it is a civil matter and you could be taken to court.
Correct Answer: True
True. Owing money to someone is a civil matter rather than a criminal offence. In the UK, if you owe money and fail to repay it, the person or organisation you owe money to may take you to a civil court to recover what is owed.
The civil courts deal with disputes between individuals, businesses and organisations — including debts, breach of contract and property disputes. A creditor can apply to a County Court for a County Court Judgment (CCJ) against a debtor. This is distinct from criminal law, which deals with crimes against the state (e.g., theft, assault).