The majority of credit agreements are unenforceable because they do not comply with the Consumer Credit Act 1974 (CCA 74)

If a credit/loan agreement is unenforceable the remaining payments may be squashed and goods that have been purchased kept by the borrower.


There are many reasons a Credit Agreement can be unenforceable some of which are listed below

  • The rate of interest is not shown on the agreement
  • The agreement is not signed
  • Number of instalments not shown
  • Dates not in place
  • Total amount repayable not shown
  • Amount of credit borrowed
  • No Signature
  • The agreement does not state correctly how the borrower will make repayments

If your agreement turns out to be enforceable we are now able to refund your payment less a £50 admin fee

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Regulated by the Ministry of Justice in respect of regulated claims management activities. Registration Number CRM3944

unfairloanagreements.co.uk is a division of Consolidators Ltd. Company registration number 6067378 registered in England and Wales

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