(69)Under certain conditions, the consumer should be allowed to pursue remedies against the creditor in the event of problems related to the purchase agreement. However, Member States should determine to what extent and under what conditions the consumer is required to pursue those remedies against the supplier of goods or the provider of services, in particular by bringing an action against the supplier of goods or the provider of services, before being in a position to pursue them against the creditor. Consumers should not be deprived of their rights under national law attaching joint and several liability to the supplier of goods or the provider of services and to the creditor.