How the process works in detail

A Consumer that uses the Service offered by our Company's Solicitors is unlikely to notice the complex legal work involved in persuading their Lender to write off their unenforceable Credit Agreement

Our Solicitors initially need to conduct a detailed Evaluation and Audit of the Credit Card or other Loan Agreements that you would like them to arrange for your Lenders to write off, before they agree to accept you as a Client and pursue your case. This allows our Solicitors to avoid taking on cases that they could lose

You will need to complete one simple form, sign two documents and pay the appropriate Evaluation and Audit Fee. We will send you these documents at your request

You will not need to provide copies of your Credit Agreements to our Solicitors. Instead, we will obtain copies of the actual Agreements that you signed along with any accompanying documentation. It is important that a third party formally obtains this documentation independently. This process normally takes around 14 days

Our Solicitors then conduct a detailed Evaluation and Audit of your Credit Agreements to discover if they comply with the Terms of the Consumer Credit Act and other relevant Legislation. The detailed process employed by our Solicitors combines their considerable Legal expertise in this area of Consumer Credit Law and the latest computer software, to ascertain if a particular Credit Agreement is unenforceable. This process normally takes around 4 days to complete

If our Solicitors conclude that your Credit Card or Loan Agreement is unenforceable, they will ask you if you wish them to act for you. If you decide to use their service, they will accept your case on a No Win No Fee basis, making your Lender write off your outstanding balance and claim a refund of your previous payments

If you decide to proceed, our Solicitors will instruct your Lender to deal directly with them and ensure that they do not contact you regarding this matter. Your Credit Agreement will then become in formal Legal dispute and therefore your Lender will be prohibited from registering adverse credit information against you

Our Solicitors will arrange for you to suspend making your monthly payments directly to your Lender and instead deposit your normal monthly payments into our Solicitors Client Account for a period of normally 6 months. Our Solicitors will ensure that your Lender does not harrass you in any way during this period. When our Solicitors have successfully written off your Credit Agreement, they will retain the 6 months payments as their fee, this is the only fee you will have to pay to our Solicitors

Whilst our Solicitors conduct the necessary Legal work, you will not have to make any payments to your Lender. Therefore, using our Solicitors to write off your unenforceable Credit Card or Loan will cost you no more than you are already paying

Our Solicitors will present their Legal argument to your Lender. If your Lender then agrees to write off your outstanding balance, our Solicitors will retain the monthly payments they hold as their fee. This is the only fee that you will be required to pay to our Solicitors

If your Lender refuses to write off your outstanding balance our Solicitors will issue Court proceedings against your Lender. You will not be responsible to pay any additional fees for this service and our Solicitors will also ensure that you do not become liable for any costs incurred by the Lender

When the Court Orders that your Agreement is unenforceable and that the Lender must write off your outstanding balance, our Solicitors will recover their costs from your Lender and you will be entitled to keep 100% of the compensatory damages awarded to you

In the extremely unlikely event that our Solicitors fail to arrange for your Lender to write off your outstanding balance, all of your monthly payments the Solicitors hold in their Client Account will be fully refunded to you by our Solicitors

The completely Legal process used by our Solicitors to make your Lender write off your Unenforceable Credit Agreement normally takes around 8 months. However, often the process can be concluded far sooner, subject to the particular Lender involved responding promptly to our Solicitors