Unfair Credit Agreements

unenforceable-agreements
Legalxperts can now check that your actual Credit Agreements comply with the Consumer Credit Acts of 1974 and 2006.
 

    The Process

  • 1 Simply Fill in the online questionnaire and submit this to us
  • 2 On the receipt of the questionnaire, we will send you a “Form of Authority” which will allow us to deal with your bank or Credit card provider on your behalf along with Section 77/78 Request form which again will allow us to seek your credit agreement.
  • 3 On the receipt of all the documents signed and completed along with the payment of £250 for the first agreement and £150 subsequent, if there is more than one agreement. Our solicitors will check the agreements to see if they are unenforceable.
  • 4Once the audits are completed you will be notified of the results and our solicitors will commence proceedings against the lenders once a consultation has taken place.

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 deemed unenforceable..

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
  • 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.

To apply now, please fill in the form provided below.

Title:

First Name:

Surname:

Email:

Address:

Post Code:

Telephone:

Mobile:

When is the best time to contact you?

How many agreements do you have with a balance of £1,000 or more currently outstanding?

How many of those Credit Agreements were taken out before 1st of April 2007?

Name of lender

Legalxperts works in conjunction with a leading legal panel to assess if you have a valid claim. If we believe that one or all of your credit agreements are unenforceable the whole debt could be ‘written-off’. Please take the time to answer the following questions to help us enforce your LEGAL RIGHTS AS A BORROWER:

1. Do you understand that you keep 100% of all the final settlement awarded plus interest we do not charge a contingency fee for Unfair Credit Agreement claims.

2. Have you defaulted on any of your agreements?

3. Do you believe your Credit Agreement is “Unfair” in someway?

4. Do you think you may have paid an arrangement fee to a third party that you were not made aware of?

5. Please confirm whether you spoke to any advisor (whether in person or by telephone) regarding the application for your finance agreement?

6. Did you take out the loan/ credit card following visiting an online broker website? For example: A ‘Price Comparison’ website.

7. Were you sold Insurance? (Payment Protection Insurance)

8. Has the rate of interest payable increased far more than expected during the term of your Credit Agreement?

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