Legalxperts can now check that your actual Credit Agreements comply with the Consumer Credit Acts of 1974 and 2006.
Our panel of solicitors and financial experts will audit your credit agreement and check whether it complies with the prescribed terms defined by the Consumer Credit Acts of 1974 and 2006. These acts protect the rights of lenders and consumers who are in contract with each other.
If your credit agreement is declared to be unenforceable , you would not be required to make any future repayments because the lender has not complied with the law and the outstanding debt is written off. You keep 100% of any final settlement plus interest.
Legalxperts panel of solicitors will look at the following questions to determine if your agreements are complying with the law
If there are errors in your consumer credit agreement, it could be regarded as being unenforceable, in which case Legalxperts may be able help you have some or all of the outstanding debt reduced or even written off..
What Type of Consumer Credit Agreements comply with the law?
Working closely with our specialist unfair consumer credit agreements team, we can review all credit agreements with a current minimum balance of £1000:
- Secured loans
- Unsecured loans
- Hire purchase
- Consolidation loans
- Car loans/finance
- Credit cards and store cards
What makes a Loan or Credit Agreement unenforceable?
While there are many points to consider when auditing a credit agreement our specialist legal team are highly trained in the consumer credit acts of 1974 and 2006 they will look through the terms and conditions and apply their knowledge when checking areas such as:
- Unfair terms and conditions in the underwriting of the agreements
- Issues relating to unclear/unfair APR rates
- Information missing from the loan agreements
- Misleading information/figures on the agreements
I have lost My original Credit Agreement ?
It doesn’t even matter if you’ve lost or misplaced your original credit agreement, we can request original copies on your behalf from your lender or credit card provider
You can click on the links below to access information and the forms for claiming:
Unfair Bank Charges
Unfair Credit Card Charges
Unfair Credit Agreements
Mis-Sold Payment Protection
