There are a huge number of Credit Card and indeed other unsecured loans which are unenforceable through the courts. (This means that the lender can legally ask you for the money but it would be unsuccessful if it did so through the courts.)
How would you feel if you could be rid of your debts? The claims management company that we use is guided by specialist barrister Oliver Mishcon. The team checks client agreements against consumer credit legislation and regulations to establish whether or not they comply with the law.
The team offer you two services:
Fast Track
The debt must be a credit card taken before April 2007.
Just to put your mind at rest - for each debt accepted on this service you are GUARANTEED to be free of that particular debt. Quite simply this means that in the event that your credit agreement is rendered legally enforceable by a judge the claims management company invokes its insurance and ensures that your entire outstanding debt is settled on your behalf. This method gives you peace of mind in a relatively short time period (normally 45-90 days).
- The Specialist Legal team will aim to audit your agreement within 45 days (audits will not take longer than 90 days)
- You will get confirmation as to whether or not each debt qualifies
- If the Specialist Legal team deem the debt unenforceable, you are GUARANTEED to be free of that particular debt. You stop paying the lender
- If the Specialist Legal team deems your agreement to be wholly and unquestionably enforceable you will be given a full refund of your fees. You continue to pay the lender
- You will keep 100% of any compensation awarded (if applicable).
Although lenders may continue to chase the debt until a decision is made legally (through a court) lenders cannot harass you, nor can lenders request a CCJ (County Court Judgement). All you need to do is update the Specialist Legal team and they will take the matter further.
Debt Audit
The debt can be secured or unsecured and taken at any time.
The Specialist Legal team also offer the EXACT same Credit Agreement Auditing service as other Claims Management Companies (CMCs) in the UK; but at a FRACTION of the price. Some CMCs will claim that you are insured with their service. THIS IS A MYTH. The only insurance that is put in place (ATE Insurance) offsets the lender's charges: NOT yours and NOT theirs. ATE insurance cover is also offered on this 'no win no fee' option.
This is a 'No Win No Fee' Option but it does NOT have any of the guarantees of the Fast Track service. In addition you must continue to pay your creditor until the case is completed - which could be up to 15 months.
Although lenders may continue to chase the debt until a decision is made legally (through a court) lenders cannot harass you, nor can lenders request a CCJ (County Court Judgement).
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