National Debt Help
National Debt Help can help you WRITE OFF DEBT! If you took out a credit card or loan before April 2007 we could help you write off the balance
Credit Claims are a form of appeals procedure intended to compensate consumers from lenders that have broken certain statutory agreements. The Consumer Credit Act of 1974 has been particularly neglected by many of today's multinational corporations. This has allowed thousands of people to literally write off debt by contesting companies that have failed to meet the restrictions set out in the Consumer Credit Act (CCA) of 1974.
Unfortunately the government has passed a new act, which effectively gives larger corporations the advantage with credit claims as proceedings are now deliberated upon within court. The good news is that any credit agreement entered into before the 6th April 2007 can be challenged. Here at National Debt Help, we believe that there are over 25 Million unenforceable credit agreements in the UK alone. Our qualified legal team specialise in the recognition of such instances to challenge lenders that have not complied with the CCA of 1974.
How can we help you write off debt?
Our qualified legal team specialise in recognising fraudulent credit agreements and challenge lenders that have not complied with the consumer credit act (CCA) of 1974. using our exemplary knowledge of the act, we can examine your credit agreement's terms and conditions to see if they are in complete accordance with the cca.
Some of the issues that we assess your agreement for are as follows:
- Ensuring all parties have signed where required.
- Making sure that the rate of interest is specified and fair.
- Ambiguous terms & conditions and/or credit agreement information.
- Unreasonable or inaccurate APR rates.
- Omitted information from the credit agreement.
- The agreement does not show the specific; number of instalments, repayments and their due dates.
- Any incorrect calculations.
- Concealed statements entitling the lender to adjust terms within the agreement.
- Any indications that your lifestyle or stature may affect your capability to enter and uphold such an agreement.
- There is no mention of a “cooling off” period within the agreement.
Will It Cost Me To Make A Credit Claim?
No, we provide a free audit of your credit agreements, providing they adhere to our initial requirements, which are stated clearly below. From the moment we qualify your agreement as unenforceable, you can immediately withdraw repayments to the lender in question. The claim itself can be a lengthy process; however, it is company policy to regularly update our clients as the case develops.
You are eligible to write off your debt if the following applies to your credit agreement:
- Your credit agreement must have been drafted before 6th April 2007.
- The agreement must be between £1,000.00 and £25,000.00.
- You must be a UK resident.
If your credit agreement is deemed unlawful it is possible that your entire debt will be written off and any adverse credit entry relating to the debt will be removed. In every case you keep 100% of any final settlement along with any added interest. You also retain all of the products and services acquired through the credit agreement itself.
All credit claims will be processed in accordance with the CFA (Conditional Fee Agreement). If you are successful, the lender is required to cover all legal costs pertaining to the case, including our fees. If you lose, an insurance policy covers the costs of the CFA. So, in either circumstance, you are covered and have nothing to lose.
Can I Write Off Debt On My Own?
Our simple answer is that it is not advisable. There are a number of due concerns that should be acknowledged when filing for a credit claim. In theory, filling a claim is relatively straightforward, although there are a number of factors that you should be aware of before you decide to proceed yourself.
As a vague rule of thumb, you most certainly need some form of legal advice. If your claim is not processed properly, you could very well forfeit your case due to a simple technicality that could have been avoided.
Another crucial skill that you will either need, or need to learn is to be able to identify the potential flawes within the Consumer Credit Act of 1974. Our qualified professionals are trained to recognise the ways in which lenders have exploited consumers within credit agreements. Our honest opinion is to hire a credit claims professional to handle your case, they have the expertise, know the claims process inside out and are driven by achieving results for you.
Using our services you keep:
- 100% of any Settlement that is Agreed.
- Any Interest that is Reimbursed due to your Claim.
- All of the original Products & Services paid for by the Credit.
Write Off Debt Now! with National Debt Help
For more information about our credit claims and writing off your debt; view the BBC News article in our sidebar or follow the reputable links on the home page.
