Unenforceable Credit Agreements and Claims Management Companies – Guide to Making a Claim

If you have any unenforceable credit agreements you could reclaim thousand of pounds. You can use a Claims Management Company to help you write off your loan or credit card.

Read Full Post »

Unenforceable Credit Agreements. Are your Credit Agreements legally compliant?

The Consumer Credit Act 1974 was introduced to protect consumers from banks and lending institutions. It sets out guidelines that must be followed by banks when providing documentation for loans and credit agreements.

Read Full Post »

Lenders Scare Tactics and Disinformation – CCA 1974

An increasing number of consumers are realising that you can challenge legally unenforceable debts. Credit Issues has done just that with £1.5 million of consumer debt this year alone.
They’ve proved successfully that a contract which breaches the terms and requirements of Consumer Credit Act 1974 is not enforceable by the lender or the Court. People [...]

Read Full Post »

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

Read Full Post »

A Proven Means of Reducing Debt or Just a Scam?

Credit Issues alone has successfully challenged in excess of £1.5 million of consumer debt and increasing demand for its services has resulted in the firm aiming to challenge £10 million of consumer debt over the course of the year.

Read Full Post »

How to Clear All Your Unenforceable Credit Agreements

Over the last 12 months there has been an increase in the amount of people who find themselves in debt.
This is due to a number of reasons and matters have not improved with the onset of recession here in the UK. However, in times of doom and gloom there are always companies who re-focus their [...]

Read Full Post »

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 [...]

Read Full Post »

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.

Read Full Post »

How to Write Off Credit Card Debt Legally

These are two equally powerful and perfectly lawful actions that anyone can take to write off their credit card debt legally.

Read Full Post »

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

Read Full Post »

Credit Issues breaks through £1million | Consumers urged to challenge ‘unenforceable debts’

Consumers are being urged to continue the battle against lenders collecting legally unenforceable debts by Credit Issues after it announced successfully challenging over £1million worth of consumer debt so far in 2009.

Read Full Post »

Legal Ways to Write-Off Credit Card Debt, Consumer Credit Act 1974, Individual Voluntary Arrangements

It may be possible to write-off credit card debt legally under the Consumer Protection Act 1974 or with a debt solution, such as an Individual Voluntary Arrangement.

Read Full Post »

How To Legally Write Off Credit Card Debt

The amendment of the 1974 Consumer Credit Act in 2006 seems to have caused quite a few cats to pounce on quite a few pigeons. In particular, whether or not people can write off credit card debt by following the new provisions of the Act has become quite a bone of contention.

Read Full Post »

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.

Read Full Post »

How to Write Off Credit Card Debt Legally

Not many people are aware that many credit agreements taken out before April 6th 2007 are unenforceable because the agreements were improperly drafted, lacking in what are known as prescribed terms.

Read Full Post »

MIS SELLING OF ANCILLARY PRODUCTS | Payment Protection Insurance

One example of a Lender potentially breaching the Financial Services Authority Rules, which represent statutory Rules under the provisions of Financial Services and Markets Act 2000 is when a Lender: makes compulsory or recommends an Insurance Policy that is not suitable for your needs or does not obtain sufficient information about you to know if it is suitable for your needs

Read Full Post »

NON DISCLOSURE OF COMMISSIONS OR FEES | Consumer Credit Act 1974

One example of a Lender potentially breaching the Non Disclosure of Commission or Fees part of the Consumer Credit Act is when a Lender: pays a commission to a third party such as a Finance Broker or a division of the Lender located in a foreign country in recognition of their assistance in the Lender providing a Credit Card or Loan Agreement

Read Full Post »

NON PROVISION OF RELEVANT DOCUMENTATION | Consumer Credit Act 1974

One example of a Lender potentially breaching the Non Provision of Relevant Documentation Post Agreement part of the Consumer Credit Act is when a Lender: is requested to provide a copy of your Credit Card or Loan Agreement but fails to do so within one month

Read Full Post »

NON PROVISION OF PRESCRIBED TERMS | Consumer Credit Act 1974

One example of a Lender potentially breaching the Non Provision of Prescribed Terms part of the Consumer Credit Act is when a Lender: requires you to sign a Credit Card or Loan Agreement, but provides you with a separate booklet containing the Terms & Conditions of the AgreementSection 61 of the Consumer Credit Act 1974.

Read Full Post »

Credit Card Agreements regulated by the Consumer Credit Act

Credit Agreements may be Unenforceable
“All Consumer Credit Agreements” or “Consumer Credit Act Credit Agreements” or “Consumer Credit Agreements” or “Credit Agreement Consumer Credit Act” refers to: Loan or Lease Agreements taken out by an individual and not a Business which are regulated by the Consumer Credit Act
“Bad Car Loan” or “Bad Car Loan Agreement” or [...]

Read Full Post »

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.

Read Full Post »

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.

Read Full Post »

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.

Read Full Post »

Unenforceable Credit Card Agreements | Write off Debt Under the Consumer Credit Act 1974

Debt is a huge problem and is set to worsen. If financial problems are an issue, write off debt as a result of unenforceable credit card agreements.

Read Full Post »

Legally Write off Credit Cards and Loan Debts | Frequently Asked Questions

Figures are already showing that a staggering number of credit agreements taken out prior to April 2007 are legally unenforceable.

Read Full Post »