Finance Mis-Selling Under The Consumer Credit Acts & PPI/PPP/ASU Insurances

If so it may be wholly unenforceable against you !!

The topic of finance mis-selling by lenders (including the high street banks) is certainly a very hot topic on consumer websites and consumer media programmes.

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Write Off Credit Card Debt: How does it work?

Solicitors manage every case at every stage in order to write off credit card debt. They take details of your debts and their specialist legal team challenge the agreements with the lenders.

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Write Off Credit Card Balances and Loans Taken Out Before April 6 2007

If certain clauses in the contract do not comply with the provisions of the Consumer Credit Act 1974 and ancillary regulations then the debt will be deemed to be unenforceable.

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DEBT CHIEF CRITICISES GREEDY CREDIT CARD COMPANIES

In a worrying turn of events, the average person’s debt to credit cards, store cards or bank loans in the UK has risen to £6,400, reveals a survey released today by YouGov for Guardian Group Financial.

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Personal Debt In Scotland Rises

Recent data indicates that actual personal insolvencies in Scotland rose by a dramatic 137% in stark contrast to figures published on Protected Trust Deeds

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Debt Consolidation Loans a Good idea?

Many companies claim that debt consolidation can give you a new start because it permits you to consolidate all your loans into one monthly payment, usually secured against your property.

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How to clear your debts easily and legally

Do you need to do something about your credit card and loan debt?
Are your monthly payments out of control?
Can’t see a way out of the spiral of debt?
 
If you are worried – why not have your credit card and other finance agreements audited to see if they are invalid and therefore unfair and unenforceable agreements.
Over the [...]

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Mis-sold investments scam similar to that of mis-sold loans

Yet another despicable banking scam hit the financial headlines today (see Money Mail) as Barclays persuaded hundreds of elderly, loyal customers to invest their life savings in a risky fund – Aviva Global.
It is one of the worst performing funds of its type and true to form, the fund’s value fell by 45% in a [...]

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Sending unsolicited credit card cheques or increasing credit limits could make entire loan unenforceable

Have you recently received a letter through the post from your lender offering you increased credit limits or providing you with credit card cheques you never asked for?
If so, and if your original loan agreement was taken out before April 2007 you may well find that the agreement is unenforceable.
It is an increasingly common and [...]

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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.

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Banks hounding customers for debts which could well be unenforceable.

Have you ever received abusive and threatening telephone calls?
Well hundreds of thousands of people are getting such calls up to ten times a day and it seems there’s nothing they can do about it because it’s not from some stalker or pervert in a plastic mac – it’s from their own banks.
The Sunday Times yesterday [...]

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Write Off Credit Card Debt – How To Legally Write Off Credit Card Debt

Would you like your credit card debt to be completely written off?
Do not confuse with unfair bank charges or re-claiming banking ‘fines’. Specialists can analyse whether your credit card balance is unenforceable. If this is found to be the case your balance could be cleared, written off and cancelled.
Not many people are aware that many [...]

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Clear Credit Card Balances Legally

If your credit card was issued before the 1st April 2007 you will want to know all about this credit card claim services. With each credit card review their credit card audit team will analyse whether the credit card agreement is unenforceable or flawed.
 
If your credit card contract / agreement is held to be unenforceable [...]

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Claim Back Unenforceable Loans | Missold PPI | Under the Consumer Credit Act 1974

In the UK debt for individuals stands at around £1.2 trillion this includes personal debt consisting of credit/store cards, loans and mortgages, comparing against the rest of Europe the UK has nearly double of the debt for individuals.

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Credit Issues successfully challenges £16k credit card balance

The client in question approached Credit Issues to look at their original agreement with the lender following the sale of their debt to a debt recovery agency after having fallen behind with their credit card payments.

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Unfair Credit Cards and Loans. Can you have them written off?

There is a NEW financial claim which is sweeping across the UK! It has been discovered that many finance and credit agreements signed before April 2007 have been written in such a way that they breach the terms of the 1974 Consumer Credit Act

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What is an unenforceable credit agreement?

Sometimes referred to as an unenforceable, unfair, or flawed credit agreement, your credit card, store card or personal loan agreement will probably be regulated by the Consumer Credit Act

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Consumers urged to battle ‘unenforceable debts’

Consumers are being urged to continue the battle against lenders collecting legally unenforceable debts by Credit Issues after it announced a target of challenging £10 million of consumer debt in 2009.

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Unenforceable Loan Agreements

Here’s a surprising fact. If you took out a loan agreement before April 2007, there’s a strong chance it is unenforceable.

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Write Off Credit Card Debt

The proviso to write off your credit card debt is that the debt must be under £25,000 when the loan was taken out.

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Wipe unenforceable credit card debt | Potentially reduce or clear debt

Reduce or clear unenforceable credit card and unsecured loans balances. Your loan or credit agreement could be unenforceable.

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Mint Credit Card Write Off | RBS Credit Card Write Off | Credit Issues Success Cases

Mint Credit Card Write Off | RBS Credit Card Write Off

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Credit Card Write Off FAQ’s | Consumer Credit Act 1974

The Consumer Credit Act of 1974 allows borrowers to challenge unfair credit agreements. Credit Agreements up to £25,000 and issued before 1st April 2007 must comply with the terms of the Act.

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Challenge banks over Unfair Loan and Credit Card Agreements before April 2007

This problem could have been easily avoided if only banks were careful with their documentation. It is hard to believe that how some of the high street banks can be so unprofessional in their approach, which has lead to their own loss.

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Unenforceable Fixed Term loans and Credit Cards

If you have taken out a loan before April 2007 then there is a high possibility that that loan agreement or credit card is unenforceable.

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