Credit Issues Debt Challenge Formula Proves A Winner

Credit Issues continues its recent run of success in challenging credit card and personal loan balances through the mechanism of requesting “true copies” of the original credit agreements with lenders on behalf of its clients.

Several rulings by various District Judges throughout the country have validated Credit Issues’ central strategy and approach to credit card and personal loan debt by challenging enforceability through scrutiny of “true copies” of agreements. In most cases, due to inaccuracies within a lending institution’s administration procedure, those true copies are simply not available and a positive outcome for Credit Issues’ clients is highly likely. That’s the case whether the client is being pursued by the original lending institution or the debt has been assigned to a debt collection agency.

Key changes to the Consumer Credit Act 1974 means that some credit cards and unsecured loans issued before 6th April 2007 could be totally written off through a legal process that has no impact on your credit score or rating or your ability to obtain credit in future. The ability to challenge a regulated agreement on the basis of its non compliance within the strict requirements of the Act has proven to be a winning argument and has confirmed that such agreements are indeed unenforceable. In the past few weeks that’s been exactly the outcome for a number of clients represented by Credit Issues’ experienced in-house legal team and specialist lawyers.

Credit Issues can help clear credit card debt

One client was able to clear £9,834.38 credit card debts with NatWest while another couple managed to challenge a £19,770.79 personal loan with the same lender. The Royal Bank of Scotland was successfully challenged over separate £7,988.32, £10,053.26 and £11,495.33 credit card balances by three clients. Two other Credit Issues clients successfully challenged separate credit card agreements with NatWest on different cards issued by the same lender – in one case £9,908.10 and £8,175.92 and in the other, totals of £8,104.53 and £3,323.96 respectively.

No matter who the credit card or unsecured loan provider is, so long as the balance is BELOW £25,000 Credit Issues could help as it has already done with the clients mentioned above. Not only will Credit Issues seek to successfully challenge the balance of the credit card or unsecured loan, they can also investigate possible reimbursement of any mis-sold payment protection insurance or accident sickness cover together with interest.

Visit the Credit Issues website and take the two minute test and find out instantly if you qualify.

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