How it works

The process involved in our Solicitor's ascertaining if your Credit Agreement is unenforceable and then making your Lender write off your outstanding balance and claiming a refund is as follows:

1. PROVIDE DETAILS OF YOUR CREDIT AGREEMENTS YOU WOULD LIKE WRITTEN OFF
Details of your Agreements are reviewed to see if they qualify for our Solicitors Evaluation

2. RECEIVE CONFIRMATION OF WHICH AGREEMENTS OUR SOLICITORS WILL ACCEPT
and written confirmation of the cost of our Solicitors Evaluation and Audit of your Agreements

3. RECEIVE, COMPLETE AND RETURN THE NECESSARY PAPERWORK AND RELEVANT FEE
Complete one form, sign two documents and make the relevant payment by cheque or Card

4. COPIES OF YOUR AGREEMENTS ARE FORMALLY OBTAINED FROM YOUR LENDERS
Your Lender is Legally required to provide this documentation. (If your Lender is unable or unwilling to provide this documentation, our Solicitors will immediately offer to accept your case and arrange for your Agreement to be written off by your Lender)

5. OUR SOLICITORS CONDUCT A DETAILED EVALUATION AND AUDIT OF EACH AGREEMENT
If sufficient breaches of the Consumer Credit Act or other relevant legislation are detected, our Solicitors will conclude that your Agreement is unenforceable and will offer to accept your case. If not, you will receive a refund of your fee, less an administration charge of £75

6. OUR SOLICITORS ARRANGE FOR YOUR LENDER TO WRITE OFF YOUR AGREEMENT
The Solicitors will also claim a refund of payments. This process takes around 8 months, but can be quicker if the Lender co-operates and our Solicitors do not need to take them to Court

7. YOUR LENDER CONFIRMS THAT THEY HAVE WRITTEN OFF YOUR CREDIT CARD OR LOAN
You may also receive a refund of the previous payments and Compensation

A MORE DETAILED EXPLANATION OF THE PROCESS INVOLVED