If you have your original credit/loan agreemnents you would need to send them to us

If you don’t have the original agreements this is not a problem as we can apply for them.

There is a £50 charge for the solicitors to audit each of your agreements, when the agreements are found unenforcable there is a further charge of £295 for the first agreement and £195 for all subsequent agreements

When we receive your agreements they are checked by our solicitors to see if they comply with the prescribed terms of the 1974 Consumer Credit Act.

If they are deemed unenforceable for any reason you will be notified and a claim can be commenced on your behalf with no extra charge to you.

You will receive 100% of your claim you do not pay us any commission.

The cost of the legal proceedings will not be deducted from your money this will be claimed from the other side through the courts

We are authorised by the Ministry of Justice in relation to Claims Management Activities.

The main reason an agreement would be unenforceable would be something wrong with the way the agreement had been written but even if there are no flaws in an agreement it may be possible to claim due to “Unfair Relationships” this would depend on your circumstances at the time, things like how many credit cards you have at the time or did you have loans in existence when your agreement was signed and if you were in a position to repay everything could be taken in to consideration. If an agreement is deemed to be unenforceable it would not be necessary to pay any outstanding balance

Can I reclaim all of my previous Payments?

If your agreement is unenforceable the outstanding balance will be written off, with regards to previous payments this would depend on which aspect of the Consumer Credit Act your lender has not complied with, in many cases previous payments may be reclaimed.

Will the lender try to take me to court?

No they will not because it is the lender who hasn’t complied with the law not yourself, you are only exercising your consumer rights. Our solicitors will deal with the lenders directly, if your lender tries to contact you it is not necessary to engage in conversation with them, merely direct them to the solicitors.

Can I stop making repayments once your solicitors have taken on my case?

If you want to keep your credit rating the same as it was before you commenced the claim you must continue to make the repayments until you receive written confirmation telling you to stop making the repayments.

The amount of cases of unenforceable/unfair/invalid credit agreements is rapidly increasing.

If a credit/loan agreement is unenforceable it is not arguable, it is a point of law

Once it is demonstrated to a court that there are certain errors in an agreement it is deemed unenforceable and there is no defense.

When an agreement is deemed unenforceable and the solicitor has proved this to the lender all payments stop as the agreement was invalid in the first place

Act now and start the process complete our enquiry form

Banks, Credit Card Companies and Finance companies are now setting aside funds for large payouts because they know there is no defense if a credit/loan agreement does not comply with Consumer Credit Act 1974.

Consolidators Ltd

Stewart House

Royal Court

Macclesfield

SK11 7AE