Unenforceable Credit Card Agreements
Unenforceable Credit Agreements
Unenforceable Credit Card Agreements
Unenforceable Credit Card & Loan Agreements Prior To April 6 2007
Many thousands of loan agreements have been found to be unsafe following a revision of the 1974 Consumer Credit Act. As a result, many thousands of unenforceable credit card agreements have been discovered. Are you one of the people with such an unenforceable loan?
Our experts will obtain permission to look at the original credit contract to see if it contains the details which have been required since April 2007 on all such agreements. Such items as a signature (seems obvious, but some credit agreements used to be filled in by automated methods and actually lack a signature) a list of specific charges being made and a detailed account of any aspects required by the 2006 amendment to the original consumer laws.
Having unenforceable credit card agreements does not mean that such debts are written off, although in some cases further work can be done to clear the debt from your credit record completely. In reality, all it means is that the creditor may not bother you to repay this particular loan. If he does he may be in trouble.
This has been described as a loophole in the law. But it isn’t really a loophole at all. It is a perfectly legitimate way of exposing unenforceable credit card agreements and similar agreements which have been hastily drafted and which have not kept up with the changes in legislation which have been made to protect consumers from increasingly greedy lenders.
To check to see if your debt could be unenforceable fill in the application form below.
We are compliant with the CAN-SPAM Act. We will not pass your name or any other details to third parties apart from the specialist solicitor who will need to know these details in order to help you.
All correspondence is confidential.
We are registered under the Data Protection Act. Reg. No. Z1620707
Unenforceable Credit Card Agreements: An IVA Is A Different Instrument But CAN Be Used
Please note that this is not a debt management plan or an IVA, where the debt is written off over 5 years.
However, we are also affiliated to 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
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Unenforceable Credit Card Agreements. All rights reserved.