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We have solicitors on hand to check credit/loan agreements between £5,000 and £25,000.

If your credit agreement is found to be unenforceable the agreement could be cancelled and no further payments made, any goods purchased would not have to be returned and in many cases payments that have been made under the agreement would be returned

The following are just some of the agreements that may fall in to this category

• Credit Cards
  
• Car Loans/Finance
• Unsecured Loans
• Secured Loans
• Consolidation Loans
• Hire Purchase
• Store Cards
  
  

It is estimated that as many as 80% of Credit/Loan Agreements in issued may be unenforceable.

If we deal with your claim and it is found to be unenforceable you keep all of the money paid under the claim (100%) if you are also alowed to keep the good and have previous payment returned you also keep 100% of the goods and payments.

To find this out the agreement needs to be checked thoroughly, you can do this yourself as some of the points may be obvious such as

• you have been charged interest at an exceptionally high rate
• the creditor gave you wrong or misleading information, or didn't give you enough information when you were deciding whether to take out the loan
• the creditor failed to make a proper assessment of whether the loan was suitable for you
• the creditor didn't fully take into account how your age, experience, physical or mental health would affect your ability to enter into a credit agreement or to keep up with payments.

There are many other reasons also.
If you think your agreement is unenforceable you can challenge the company who issued your it but it is unlikely they will respond favourably, you would probably need to take legal action to take it further.

If you would like us to deal with things on your behalf we can do this without causing you any distress or inconvenience.

It doesn't matter if you have lost or mislaid documents because we will request copies of the originals from your lender or credit card provider for you.

Your agreement would be checked by the solicitors to see if it complies with the Consumer Credit Act of 1974. This Consumer Credit Act 1974 was introduced to protect the rights of lenders and borrowers who have a contract with each other.

Millions of credit agreements, ranging from credit cards to loans are in breach of the Act and can be deemed 'unenforceable'.

If a borrower's agreement is discovered to be 'unenforceable' the borrower would not need to make any future repayments and possibly have previous payments refunded because the lender has not complied with the law.