Unenforceable Credit Loan Agreements - Credit Card & Loan debts wiped clear

Just imagine having £1,000's wiped clear from your Credit Card and/or Loan agreements, and then being able to start fresh again. Wouldn't that be a load off your mind, and no more sleepless nights?

Well, now it's possible as lots of credit card and loan companies have fallen foul of the 1974 Consumer Credit Act and there are 1,000's of people with unenforceable credit agreements. And because of these invalid agreements, if you owe more than £2,500 on a credit card or loan it is legally possible to wipe clear all the outstanding debt.

To find out whether your credit loan 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

Unenforceable Credit Loan Agreements Explained

Under very strict consumer credit laws loan merchants, credit card companies or companies who provide any form of credit have to abide by a certain code of practice, which is formed under the Consumer Credit Act 1974.

However, lots of these companies have not stuck by the letter of the law and 1,000's of credit loan agreements issued before April 2007 have lots of 'flaws' and as such the credit agreement can be proven to be invalid or 'unenforceable'. In certain situations this means you can clear credit card debt, or loan debts, and even claim back any loan payments, including any interest you paid.

For example, unfair terms in your credit agreement could be:

• it doesn't include the credit charges
• the rate of interest and whether it will vary throughout the course of the agreement
• it doesn't include your signature
• it doesn't include a notice of cancellation (if it is a cancellable agreement)
• no details of the repayment schedule

The above are just a sample of the terms which if they don't appear can lead to an unenforceable credit loan agreement. With so many parameters to know about our experts can help you cut through all the small print and establish whether you have a good case or not.

To learn more about unenforceable credit agreements and whether you could be saving yourself £1,000's and also reclaim lost interest, then don't delay and complete the short Contact form above. And be speaking with an expert in minutes.

	"You may think that once you've signed a contract, it's legally binding, no matter what. But if the terms in the contract are judged to be unfair, you may not be bound by them."
	"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals."