Unenforceable Credit Card Agreements
Unenforceable Credit Card Agreements
Unenforceable Credit Agreements
Unenforceable Credit Contracts
Unenforceable Credit Card Contracts
Unenforceable Credit Agreements
Unenforceable Credit Card & Loan Agreements Prior To April 6 2007
Make a Claim For Free Today
By now a lot of people have discovered that if they have credit card or loan agreements which were taken out prior to 6th April 2007 they may be unenforceable if they do not contain certain details which are now mandatory. Unenforceable credit card agreements exist if these agreements lack such details, known as the 'prescribed terms'.
If you're being harried by a debt collector then there's even more chance that the debt is unenforceable. They buy their debts in bulk (for around 10p in the £1) and usually won't bother with the correct documentation. So they won't know if it's enforceable or not and they won't risk losing a court case to find out!
So find out if your debts are unenforceable: it costs nothing to apply today. Our legal team is highly specialised, so your case will be in the hands of true experts, unlike a lot of companies offering similar services which have surfaced recently.This applies to any of the following types of credit agreement (not just credit cards):
Credit Card
Secured and Unsecured Loan
Store Card
Car Loans/Finance (up to £25,000 each)
Unenforceable Credit Card Agreements: Minimum criteria:
1 You must intend to write off any UK credit card debt or UK loan debt
2 Resident of England, Wales, Scotland or Northern Ireland (or living abroad with a UK card or loan)
3 Have unsecured debts of over £5,000
4 Have at least one credit card or loan
5 The Credit Card or loan taken out before 6th April 2007You must have unsecured debts greater than £5,000 and you must be making total repayments of over £120 per month.
If you qualify in terms of all the above, and if you really want to write off your credit card debt and/or other debts, then apply in confidence by using the following:
Please note: Total monthly payments referred to in the above form is the total value of what you pay each month, not the number of different payments that you make. This figure must be greater than £120 per month.
Establishing that your account is unenforceable means that the debt cannot be collected; it will not make the debt disappear. It will probably remain on your credit file for 6 years, unless the debt itself is proven to be in error or a factual mistake.
All correspondence is confidential.
We are registered under the Data Protection Act. Reg. No. Z1620707
We are licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327
Unenforceable Credit Card Agreements and Debt: How does it work?
The Consumer Credit Act of 1974 allows borrowers to challenge unfair credit agreements. Credit Agreements up to £25,000 and issued before 6th April 2007 must comply with the terms of the Act. Many UK banks and lenders have not followed their legal obligations under the Act over the years. This means that your credit card agreements (and other types of loan agreements) may be legally unenforceable. Recently, a high percentage of those agreements that have been challenged have been found to be unfair and unenforceable. The result is that the debt cannot be collected. Establishing that your account is unenforceable will not make the debt disappear. It will probably remain on your credit file for 6 years, unless the debt itself is proven to be in error or a factual mistake. Only then can the debt be eliminated from your credit file.
We take details of your debts and our specialist legal team challenge the agreements with the lenders. They obtain documentation on your behalf and then verify the legality of the contract. Our legal team will then, via specific correspondence, prove that your agreement is not valid. As such it is deemed to be unenforceable.
Unenforceable Credit Card Agreements: An IVA Is A Different Instrument But CAN Be Used
Please note that tha main subject of this website is not debt management plan or IVAs, where the debt is written off over 5 years.
However, we can put you in touch with IVA and debt management specialists, if that should be suitable to your own circumstances.
Find out if you qualify for an IVA.
Fill in the application form here.
Unenforceable credit card agreements before April 2007
Payday Loan Advances
If you are in need of a quick source of cash for some financial emergency or unexpected financial obligation then you might want to make use of our payday loan advances service. Please note that this is for short-term borrowing only.
We are licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327
WE FULLY AND WHOLEHEARTEDLY ABIDE BY THE OFFICE OF FAIR TRADING'S BOOKLET DEBT MANAGEMENT GUIDANCE (OFT366). COPIES MAY BE OBTAINED FROM THE OFFICE OF FAIR TRADING.
FOR FULL DETAILS OF OUR COMPLIANCE AND THE WAY IN WHICH THIS RELATES SPECIFICALLY TO THIS WEBSITE CLICK HERE.
Unenforceable Credit Card Agreements. All rights reserved.
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