We can save you thousands in debt repayments!
If you have a credit agreement of between £1,500 and £25,000, which was taken out before April 2007, there is a very good chance that your agreement does not comply with the necessary legislation.
If your agreement does not fully comply, then you are legally entitled to make a claim against that agreement in order to get the amount that you owe wiped-out, and in some instances, you might even be able to claim compensation!
What is a credit agreement?
A credit agreement is the contract that you enter into when you open a credit card facility or take out a loan.
They can be used as the basis for: credit cards, secured loans, unsecured loans, consolidation loans, vehicle loans, hire purchase agreements, and “buy now pay later” deferred loans.
The different types of loans can be confusing, so if you are not sure what any of these mean, take a look at the FAQs page where more information is available.
If you have ANY of these agreements, then we could help save you THOUSANDS OF POUNDS!
How can we wipe out your debt?
All consumer credit agreements are governed by the Consumer Credit Act 1974 (as amended) and other ancillary legislation and regulations. This law was introduced to protect consumers from exploitation by banks, building societies and other lenders, such as credit card companies.
The Consumer Credit Act states that there are certain prescribed details that lenders MUST include in the agreement BY LAW before you sign as a customer.
“If lenders do NOT include any one of the prescribed points, then those agreements are legally unenforceable and can be written off.” “Cancelled” is not correct, as the agreement is not void or voidable, it is unenforceable, so is not cancelled, but rather frustrated by operation of law.
The bad news is that most UK lenders have NOT followed the law correctly, so you are probably being exploited.
The good news is that because these lenders have not followed the law, you can legally challenge these faulty agreements!
If we can prove that your lenders have not fulfilled their legal requirements on your agreement, then you can HAVE THE AMOUNT THAT YOU OWE ON THAT AGREEMENT WIPED-OUT!
Sounds great, but is it legal?
This is not a “loop-hole”, or a way to “play the system”, this is ABSOLUTELY 100% LEGAL.
We are simply using the legislation that is put in place to protect you, to protect you!
You might even be able to claim compensation, IN ADDITION to being able to walk away from the outstanding debt.
Payback time!
When you make a mistake with your repayments, maybe you get the amount wrong, or you miss a payment, then we all know that your lender will CHARGE you for this mistake. They will say that it was your fault, so you have to pay the penalty, literally.
Now the shoe is on the other foot: YOUR LENDERS have made the mistake, so now YOU can charge THEM! In fact you can cancel the outstanding balance of your agreement; what goes around comes around…
Why should you allow your lenders to keep making ridiculous profits at your expense? Do they make your life better, or do they just sell you products that might end up causing you financial problems later?
For years lenders have been using illegal credit agreements which don’t contain the right or the full information, so there is a very good chance that you are paying more than you need to because you have been misinformed or misled.
The Consumer Credit Act 1974 is there to protect you from situations like this, so USE IT!
Remember that when you make mistakes, your lenders will make you pay for them personally. Yet when your lenders make mistakes, the government bails them out!
Please don’t feel sorry for your lenders, they really don’t deserve it. They are selling products to people that they know cannot pay for them, and they are ripping most of the people off who can pay for them.
Can you really beat the banks?
Most lenders are HUGE financial organisations, with thousands of company lawyers who specialise in intimidating and overpowering the individual consumer.
We are not an individual consumer; we are a strong financial group with thousands of hours of expertise in this new and fast-growing area of law.
The lenders might be able to walk all over consumers, but they can’t walk all over us because we’re the ones holding all the aces!
Our specially trained advisors can help you understand exactly what we can do to help you, before passing your case to our specialist legal team of qualified and fully regulated lawyers.
Our legal team will then deal with your lenders on your behalf, to take them on directly and secure the maximum possible settlement for you.
What happens if my lenders have started action against me?
If you owe your lenders money, they are starting to go after this money very aggressively, often forcing you into County Court Judgments (CCJ's), Charging Orders, and maybe even forcing you to sell your home.
However, if the money the lenders are chasing is related to a credit agreement which is legally unenforceable, then we can help you stop this aggression in its tracks, before having it removed completely and getting your debt wiped-out!
Can they put negative marks on my credit file?
Yes they can, but if they do they are acting unlawfully and we can take appropriate action to remove such entries as part of the claim.
Our legal team will work on your behalf to extract the debt from your credit file, and to mark your agreement as "settled".
Can you help me check my credit file?
As part of your personal debt consultation, we will offer you access to your credit file.
We need your permission to access this information, but when you agree we are able to discuss your credit history with you.
We will audit your credit file to try and identify any credit agreements which we believe are unenforceable.
At ClearToday, we will help you investigate your credit file to identify any debts which we believe are legally unenforceable.
