If your Credit Agreements are unenforceable, our solicitors can act on your behalf completely free of charge to submit a claim for all future payments stopped and any goods purchased kept by the borrower.

The success of these claims is nothing to do with dynamic lawyers or a judge’s decision, this is not a grey area like bank charges, once an agreement is deemed unenforceable it is no longer a legally binding contract.

Banks, Credit card companies and loan companies are not going to look at these agreements and tell you “Oh sorry our agreement with you is not enforceable so we will return all your money to you and squash all future payments”

If you have credit agreements they need to be checked to asses how many are unenforceable.

All you need to do is complete the form you will then be contacted to explain in detail what is involved.

Our Solicitors will audit your Agreements to check if any of them have flaws.

Once your Finance/credit agreements are found to be unenforceable due to errors in the agreements our solicitors will submit a claim to have all your future payments stopped.

When our solicitors submit your claim there is absolutely no cost to you, you keep 100% of your claim.

First the agreement must be checked for flaws or errors, then a claim submitted for all future payments stopped and have the agreement cancelled.

If you have taken out an agreement with any of the following before April 2007 you may be able to make a claim.

Car Loan

Store or Credit Cards

Loans Secured & Unsecured

We do not work on a no win no fee basis.

You keep 100% of your claim.

We do charge to audit your agreements to check for errors, if your agreement is flawed our we have a fee to deal with the administration and to send your information to the panel of solicitors who will deal with your claim from start to finish at no further charge to you.

The audit fee is £50 per agreement once and agreement has been found to be unenforceable by the solicitors there is a payment of £245 for the first agreement and £145 for all other agreements

There are lots of reasons why a loan/credit/finance agreement could be deemed unenforceable but the bottom line is, if the agreement does not comply with the Consumer Credit Act 1974 it could be unenforceable.

If you do decide to go this route you could end up paying paying thousands of pounds in fees for successful claims.

We charge a fee of £295 for the first agreement and £245 for all subsequent agreements afte that you do not get charged anything more, you keep 100% of your claim.

Once an agreement is deemed unenforceable and the fee is paid the panel of solicitors will deal with your claim from start to finish at no further cost to you.

The fees for auditing your agreements are as follows.

1st Agreement                    £50 Audit Fee            £245 Balance       Total £295

2nd Agreement                   £50 Audit Fee            £145 Balance       Total £195

All Other Agreements        £50 Audit Fee            £145 Balance       Total£195

If your agreement is finished you can still make a claim if it did not comply with the provisions of the Consumer Credit Act 1974, if you don’t have a copy of the agreement we can apply for it from your lender.

It will stay this way unless some legal wizard finds a way to stop it or the financial institutions get together and find some loophole to put a hold on it (like reclaiming banks charges).

If you intend to contest your agreement you need to have your agreement checked as soon as possible.

Credit/loan agreements are issued in various forms and have become increasingly in favour of the lenders with more and more unfair terms included, because of this the authorities found it necessary in 2006 to make amendments to the Consumer Credit Act 1974.

Consumers now have more protection than ever before from unscrupulous lenders.

Consumers have also been given an opportunity to challenge unfair or unenforceable credit/loan agreements.

If you have an agreement issued before 2007 in force or expired we can have it checked for errors, if it does not comply with the provisions of the Consumer Credit Act 1974 you have the right to submit a claim, this could be submitted by our solicitors at no charge to you.

The main reason an agreement would be unenforceable would be something wrong with the way the agreement had been written but even if there are no flaws in an agreement it may be possible to claim due to “Unfair Relationships” this would depend on your circumstances at the time, things like how many credit cards you have at the time or did you have loans in existence when your agreement was signed and if you were in a position to repay everything could be taken in to consideration. If an agreement is deemed to be unenforceable it would not be necessary to pay any outstanding balance

Can I reclaim all of my previous Payments?

If your agreement is unenforceable the outstanding balance will be written off, with regards to previous payments this would depend on which aspect of the Consumer Credit Act your lender has not complied with, in many cases previous payments may be reclaimed.

Will the lender try to take me to court?

No they will not because it is the lender who hasn’t complied with the law not yourself, you are only exercising your consumer rights. Our solicitors will deal with the lenders directly, if your lender tries to contact you it is not necessary to engage in conversation with them, merely direct them to the solicitors.

Can I stop making repayments once your solicitors have taken on my case?

If you want to keep your credit rating the same as it was before you commenced the claim you must continue to make the repayments until you receive written confirmation telling you to stop making the repayments.