YOU COULD SAVE £1000s!
If you owe more than £2,500 on your loan or credit card, with at least 9 months left to pay your credit agreement may be unenforceable and you could save thousands of pounds

Prior to April 2007 a large number of Credit Agreements
were written incorrectly. This gives you the right to
stop making repayments

TEST YOUR AGREEMENT
TODAY

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What is UCA (Unenforceable Credit Agreement)?
What are the criteria?
Can I make a claim myself?
I am on debt management plan, can I claim?
Is it a complicated process?
Will it affect my credit rating?
What if my lender changed their terms?

Don't just take our word for it

Read what the press is saying

"The court said the loan agreement was unenforceable under the Consumer Credit Act after the original loan company had wrapped insurance payments into the debt and then added interest and penalty payments to the total"

"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals."

"There are undoubtedly thousands, if not millions, of other unfair loans out there still to be checked."

"You may think that once you've signed a contract, it's legally binding, no matter what. But if the terms in the contract are judged to be unfair, you may not be bound by them."

Take The Refund Test

Total amount owed *

Total number of loans and/or credit cards *

Total of all monthly payments *

Were you sold Payment Protection Insurance? *

Date of your earliest credit agreement *

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By clicking "Submit" you are simply making an enquiry, with no obligation to proceed with this application. You may decide whether to go ahead after speaking with an advisor. We will keep your details completely confidential and secure, and we will use the utmost discretion when contacting you.

Facts

According to the Consumer Credit Act of 1974(CCA), if a financial agreement or terms and conditions for products such as credit card, loan, hire purchase, mortgage or any other borrowing is missing certain important term or was written incorrectly; then it is possible to stop making remainder of the repayments; or return goods and items you purchased with that loan. This type of contracts are considered unenforceable.

Service

For a small refundable fee your credit card or loan agreement will be assessed to see if it is unenforceable. The process is quite simple, all you have to do is answer a few simple questions and return a letter of Authority and fair Trading Statement. Once we have the required documentation we will ask your lender to give us a copy of your agreement. We will check through the agreement to see if it is unenforceable.

Cancellation

Once the assessment of your loan agreement has been evaluated, you will be notified of whether your case can be processed (your agreement is unenforceable) or not (your agreement is not unenforceable). In case your agreement cannot be taken any further, you will be notified in writing and the initial fee you pay will be refunded. Contact us today to find out more.

This is not just a loophole to squeeze in some cash, this is exercising your rights.

It is a government ruling for those who at one point or another took out a loan under pressure and are victims of extortion.

Make your claim today, before your lenders change their terms; and it may be too late for you to claim. It is your right to cancel

Credit companies have the duty of offering products to customers in a responsible manner and have to let customers know what they are getting into. According to Teresa Perchard of Citizens Advice,

Consumer groups say the complexity and lack of transparency of some financial products make it difficult for consumers to pick the right product for their needs

If credit companies fail to comply with Consumer Credit Act and fail to let their customers know what they are being offered, such an agreement or credit contract can be seen as unenforceable; such creditors do not have the right to take a debtor or borrower to court for non-repayment. An Unfair Credit Agreement claim is based on this principle.

So, if you'd like to find out if your credit agreement is unenforceable and whether you could cancel it; contact us today to arrange a free call-back.

TEST YOUR AGREEMENT TODAY

Don't just take our word for it

This is not just a loophole to squeeze in some cash, this is exercising your rights.

Make your claim today, before your lenders change their terms; and it may be too late for you to claim. It is your right to cancel

TEST YOUR AGREEMENT
TODAY