Having a credit agreement declared unenforceable is not done by declaring bankruptcy or a debt management payment plan or entering in to an IVA, once a credit agreement is deemed unenforceable the the outstanding balance does not have to be paid due to the fact that the agreement was never legal under the Consumer Credit Act 1974

Since it became public knowledge that such a large amount of loan/credit agreements have flaws we have put in place a process to have our legal team scrutinise each agreement sent to us to see if they comply with 1974 Consumer Credit Act.

Once the agreements have been found to be flawed and thereby unenforceable our legal team begin proceedings to have the credit agreements declared void, once this is proved all payments would cease and goods purchased could be kept.

Millions of people in the UK have credit/loan agreements, the majority of which may be unenforceable.

If you have a loan for a car, furniture, secured loans, unsecured loans, credit cards, store cards, or a loan for almost anything there is a very good chance it may be unenforceable.

 
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