Unenforceable Credit Agreements - Credit Card & Loan debts wiped clear

Have you got lots of Credit Card/Loan debts? Did you know it's now possible to have those debts wiped clear, leaving you with no more worries and sleepless nights about your debts.

The reason you can have all your debts wiped clear is lots of credit card and loan companies have fallen foul of the 1974 Consumer Credit Act. As a result 10,000's of people who have credit cards/loans have what's known as unenforceable credit agreements. Which means that your own credit agreement may not be worth the paper it's written on!

To find out whether your credit agreement is unenforceable, and have £1,000's wiped off your debts, then here is what you need to do now:

• check to see if you fit the Validation Criteria in STEP 1 below.
• if you fit the Validation Criteria then please send us your Contact details shown in STEP 2.
• our experts will then contact you to help clear £1,000's off your debts.

STEP 1 : Validation Criteria: Can you answer YES to all of the following?
:: Do you owe more than £2,500?	:: Did you borrow less than £25,000?
:: Do you have more than 9 months left to pay?	:: Was it borrowed before 6th April 2007?
:: Do you pay back more than £120 per month?
-STEP 2: Your Contact Details
Title Mr Miss Mrs Ms Forename Surname Home Tel Mobile Tel Email address House Name/Number Postcode Date of Birth Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900 How many loans/cards 1 2 3 4 5 or more Monthly payments Total amount owed Date of your earliest credit agreement Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Year 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 Were you sold Payment Protection Insurance? Yes No I have read and understood the Privacy Policy

Unenforceable Credit Agreements (UCA) Explained

Back in 1974 the UK government established a set of guiding principles for how the credit industry should operate. These guiding principles were wrapped together as the Consumer Credit Act and ALL companies who offer credit, whether it be via loans or credit cards must abide by the strict guideleines.

However, a lot of companies who in their eagerness to get hold of your hard earned money, and their ultimate greed, decied to take certain shortcuts when getting people to sign up for credit. In effect they did not follow the Consumer Credit Act to the 'letter' and as a result the Credit Agreements which loan and credit card applicants signed up to, were effectively rendered unenforceable i.e. unenforceable credit agreements. As a result lots of applicants can now 'refuse' to repay back monies due under the initial credit agreement and in some case could even claim back interest charges.

For example, unfair terms in your credit agreement could be:

• that it doesn't show the correct or any credit charges
• the specific details about the rate of interest and how long it stays at that rate
• it doesn't have your hand-written signature
• it doesn't include a notice of cancellation (if it is a cancellable agreement)
• that the repayment schedule was not clearly defined and outlined

What's outlined above is just a small sample of how your credit agreement could be unenforceable. And here is where our experts can help you to establish whether your credit card and/or loan agreement(s) are invalid and as such unenforceable.

To learn more about unenforceable credit agreements and how you be literally saving yourself £10,000's in credit or loan repayments then you owe it to yourself, and/or your family, to get in touch with us today to see how you too can benefit from these invalid agreements. All you need to do is complete the short contact form above and let one of our credit experts call you back.

LoanFinderPlus.co.uk is a trading name of Claims Advice Centre. Regulated by the Ministry of Justice in respect of regulated claims management activities. Registration is recorded on the website www.claimsregulation.gov.uk. Authorisation No. CRM16432