The Unenforceable Credit Agreement Process

The Consumer Credit Act of 1974 was brought about to protect UK Consumers, however the terms that allowed the consumer protection were not clear and therefore for decades the Credit Industry was allowed free reign with little resistance or challenge from Consumers.

As a result of modifications to the CCA, consumers now have the grounds to actively pursue compensation from lenders with whom they have historical arrangements, on the basis that the relationship was unfair at the time that a credit agreement was taken out. Basically you can now legally wipe credit card debt or any kind of debt of the agreement is unenforceable.

To find out whether your credit agreement is unenforceable, and have £1,000's wiped off your debts, then here is what you need to do now:

• check to see if you fit the Validation Criteria in STEP 1 below.
• if you fit the Validation Criteria then please send us your Contact details shown in STEP 2.
• our experts will then contact you to help clear £1,000's off your debts

STEP 1 : Validation Criteria: Can you answer YES to all of the following?
:: Do you owe more than £2,500?	:: Did you borrow less than £25,000?
:: Do you have more than 9 months left to pay?	:: Was it borrowed before 6th April 2007?
:: Do you pay back more than £120 per month?
-STEP 2: Your Contact Details
Title Mr Miss Mrs Ms Forename Surname Home Tel Mobile Tel Email address House Name/Number Postcode Date of Birth Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900 How many loans/cards 1 2 3 4 5 or more Monthly payments Total amount owed Date of your earliest credit agreement Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 Were you sold Payment Protection Insurance? Yes No I have read and understood the Privacy Policy

The first thing that will happen is you will be asked to sign an authorisation form so that our experts can act on your behalf. If you don't already have a copy of your Credit Agreement(s) then this will be requested from the lender(s).

Our credit experts will then review your exisiting credit agreements and see whether they contain all the necessary terms and conditions. If it's established that the agreement is unenforceable you will be notified and the process of having your debts cleared will begin.

This will entail our experts acting on your behalf so you will be instructed to stop using your credit cards, if this happens to be one of the UCA. Whether you have a UCA with a credit card company or a loan company our experts will ensure you are no longer contacted by the lender. This will ensure that you are not hassled by the companies concerned who may feel they can get you to stop proceedings.

Once a claim against the lenders gets under way you will be given further instructions by our experts. In certain cases it may take 3-6 months for all UCA monies to be paid. And in certain cases you may even be entitled to claim back interest on any monies already paid out.

If you would like to speak with one of our unenforceable credit agreements experts and see whether your agreements are no longer valid then please make sure and contact us today.