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Unenforceable Credit Agreements

Can you cancel your agreement

According to a leading financial company, eight out of ten financial agreements are not worded correctly to follow the requirements set forth by Consumer Credit Act of 1974 (CCA). The lack of information, lack of signature or even blatant oversight on the part of banks might give you the opportunity to claim your debt agreement is deemed unenforceable by the courts.

What is Unenforceable Credit

The Consumer Credit Act of 1974 (CCA) set terms for financial agreements and products such as credit cards, loans, hire purchases, mortgages and other forms of borrowing. These regulations included important items that made the agreement legal and sound. Yet despite these laws, many banks did not include all important parts of the loan in the paperwork.

If your loan or credit was offered or agreed to with a faulty contract or disclosure, the bank may not be able to enforce the agreement. Thanks to the bank's mistakes or lack of oversight, you can stop paying thousands of pounds in debt virtually overnight.

UCA Details

Certainly not every line of credit taken out in the last three decades is unenforceable, but with the sheer volume of debt and credit in the average UK household, it stands to reason that at least one card or loan might fall into this category. Finding that debt unenforceable can potentially save you hundreds of pounds per month and thousands total.

While the fine print of the credit agreements will reveal the truth when you or your representative carefully examines each one, there are certain criteria that will give you a better idea of what to expect. Common criteria for unfair credit agreements include:

• Loans made prior to April 2007
• Agreements made for less than £25,000
• More than nine months remaining in payments
• Payments total more than £2,500 remaining to be paid.

Filing a Claim

You can file your own claim for an unenforceable credit agreement by researching what criteria must be present in the agreement and filing a complaint with the issuing bank. The banks will have a legal department ready to oppose such claims, but many families and individuals have won claims on their own despite the opposition.

Many more turn to experts in unfair credit to first determine which of the credit agreements are unenforceable and then prefer to use a legal representative or experienced company to represent them with the bank. This is where we enter the picture. For a small refundable fee, your credit card or loan agreement will be assessed to see if it is unenforceable.

The process is quite simple, all you have to do is answer a few simple questions and return a letter of Authority and fair Trading Statement. Once we have the required documentation we will ask your lender to give us a copy of your agreement. We will check through the agreement to see if it is unenforceable. Once the assessment of your agreement has been evaluated, you will be notified of whether your case can be processed or not.

The Aftermath of Canceling Debt

Once you determine that some or all of your debt is unenforceable, you might find yourself in freer financial position. Unenforceable agreements may give you the opportunity to start anew with less burdensome obligations. Your financial load can be lightened, which is hugely advantageous in the current economic environment.

When debt is labeled as unenforceable, you're financial prospects will change dramatically and you'll be able to enjoy a new life without the worry you've been carrying to this point.