FAQ's

How do I find out if my Credit Card or Loan is unenforceable and can be written off ?
Initially, all you will need to do is provide our Company with basic details of your Credit commitments, including the name of the Lender, if it was taken out before April 2007 and your approximate monthly repayment. You can provide us with these details by telephone or through our website

Do I need to provide you with copies of my Credit Card or Loan Agreements ?
No, it is important for various reasons that an independent third party obtains copies of your originally signed Agreements and any accompanying documentation from your Lender, on your behalf. This is because the copies of Agreements you may already have could be "Borrowers copies" which can be significantly different from the original documents. Also, our experience has shown us that when clients request their own documents from a Lender, their Lender often fails to provide all the relevant accompanying documentation

How much work will I have to do ?
You will only have to complete a simple form and sign 2 documents. The process should take around 10 minutes
What is the difference between the Service your Solicitors offer and other Companies ?
The service is offered by our Solicitors and not a Limited Company. Many of our Competitors claim to use Panel Solicitors. A Panel Solicitor tends to accept panel work only when they have insufficient work of their own and they may be tempted to prioritise their own clients work in preference to their panel work. Our Company acts for only one Firm of Solicitors who have been established for over 160 years and employs more than 150 Legal staff, therefore you can be assured that your case will be a priority

What happens if my Lender refuses to provide you with a copy of my Credit Agreement ?
Under the Terms of the Consumer Credit Act your Lender must provide a copy of your Agreement and any accompanying documentation within one month. If your Lender fails to do this, your Agreement could automatically become unenforceable

How long will it take to write off my Credit Card or Loan ?
Obtaining original signed copies of your Agreements and the accompanying documentation from your Lender can be Legally delayed by your Lender for up to one month. Our Solicitors detailed evaluation and audit of your Agreements normally takes around 4 working days. The legal procedure involved in persuading your Lender to write off your outstanding balance and to agree to any refund of your previous payments normally takes around 8 months

Will I be entitled to receive a refund of some or all of my previous payments ?
Our Solicitors will arrange to write off your outstanding balance on your Credit Card or Loan and attempt to obtain a refund of your previous payments. However, whether or not you receive a refund and the amount of the refund will depend very much on what aspects of Law your Lender has broken and if it is necessary for our Solicitors to issue Court proceedings against the Lender

Will my Lender threaten me or take me to Court ?
Your Lender cannot threaten you because your Credit Agreement will be in formal legal dispute and their communication must be directed to our Solicitors. Also, it is more likely that our Solicitors will take your Lender to Court, rather than your Lender taking you to Court

Will writing off my Credit Card or Loan allow my Lender to register adverse credit against me ?
Because your Credit Card or Loan Agreement will be in formal legal dispute and at a later stage acknowledged as an unenforceable debt by your Lender or the Court, our Solicitors will utilise the Law, The Data Protection Act and The Banking Code to stop your Lender registering adverse credit information on your Credit File

If I owe Car Finance and my Loan is written off will I still be entitled to keep the vehicle ?
Yes, if your Finance Agreement is unenforceable and is written off by our Solicitors, you will be entitled to retain ownership of your vehicle

How much will it cost to write off my Credit Card or Loan ?
After you have submitted details of your Credit Card and Loan Agreements you will receive written confirmation of the exact costs that will be involved

Is the way your Solicitors write off my Credit Card or Loan completely Legal and ethical ?
Yes, it is completely Legal and Ethical and it is a Legal procedure that utilises the Consumer Credit Act 1974 and other relevant Laws that our Solicitors use to make your Lender agree to write off your Credit Card or Loan

Can your Solicitors write off Credit Cards or Loans taken out in joint names ?
Yes, if all Account Holders agree that they wish to write off the Credit Card or Loan using our Solicitors

Can I get the same service directly from your Solicitors ?
No, the service we offer in conjunction with our Solicitors is unique and our Solicitors have chosen to accept Clients through ourselves

Will I still be able to take out other Credit Cards, Loans or Mortgages in the future ?
Our Solicitors will utilise the Law, The Data Protection Act and The Banking Code to stop your Lender registering adverse information on your Credit File. Therefore, there is nothing to stop you being able to take out future credit commitments if you wish

What if my Debt is being dealt with by Debt Collectors ?
The process is the same, if your Credit Card or other Loan is unenforceable, they will force the Creditor to write off the Debt and you may be entitled to receive a refund of previous payments

Can my Credit Card or Loan be written off if I am in Arrears or making reduced monthly payments ?
Yes, your Credit Card or Loan can be written off, however, you will need to forward to our Solicitors your full normal monthly repayment (not your reduced payment) for a period of between 6 and 10 months

Can my Credit Card or Loan be written off if I am currently in a Debt Management Plan or IVA ?
Yes, your Credit Agreements can still be written off, however, you will need to forward to our Solicitors your full normal monthly repayment (not your reduced payment) for between 6 and 10 months

Can my Credit Card or Loan be written off even if I can't afford the Repayments ?
No, you will need to forward to our Solicitors your full normal monthly repayment (not a reduced payment) for a period of between 6 and 10 months

Can I write off my own Credit Cards or Loans ?
Yes, if you are fully conversant with the Consumer Credit Act and the other relevant legislation, you can. However it is very likely that in order to do this you will have to risk taking your Lender to court

What happens if my Lender refuses to write off my Credit Card or Loan ?
Our Solicitors will issue Court Proceedings against them to force your Lender to agree to write off your outstanding balance. You will not be responsible to pay any additional money for this service and our Solicitors will also ensure that you do not become liable for any costs incurred by your Lender

If your Solicitors confirms that my Credit Card or Loan is unenforceable, could they be wrong ?
No not really, because our Solicitors will have already conducted an extremely detailed evaluation and audit of your Credit Card or Loan Agreement in order to ascertain if your Agreement is unenforceable

Do I keep paying my monthly Credit Card or Loan payments after contacting your Company ?
If you do not want to harm your Credit Rating, you should continue to make your minimum monthly payments until our Solicitors have confirmed to you that you can stop making payments

Why won't your Solicitors accept Credit Agreements that were taken out after April 2007?
In April 2007, amendments to The 1974 Consumer Credit Act came into effect with chapter 14 of the Consumer Credit Act 2006. This forced Lenders to amend their Credit Agreements to comply with the new Act and Lenders took this opportunity to remove the parts of their Agreements that breached the Consumer Credit Act. The new Act also led to the deletion of a very important part of the original Consumer Credit Act that instructed Courts regarding how they should deal with enforceable Credit Agreements

Can I Claim for Credit Cards or Loans that I have repaid ?
No, our Solicitors will only accept claims to write off Credit Cards or Loans that you currently hold or owe money upon