Enquiry Form

Unenforceable Agreements

CONSUMER CREDIT AGREEMENTS THAT MAY BE UNENFORCEABLE

it is our opinion that the vast majority of credit agreements coming into our business are unenforceable because they fail to comply with the prescribed terms, as set out in the Consumer Credit Act 1974 (CCA 74). Credit agreements may be unenforceable if:

There are other situations where a consumer credit agreement can be challenged, which is why a detailed analysis is made on each individual case and an agreed debt reduction programme is discussed with you before contact is made with creditors.

IS IT MORALLY WRONG TO CHALLENGE AGREEMENTS?

Some people believe it is wrong to use the CCA 74 technicalities as a means of assisting debtors in avoiding payments. One of the main themes to the Consumer Credit Act is that there is openness and honesty in lending. If these principals are to be pursued it is necessary that the options arising from the CCA 74 rights, obligations and irregularities can be identified and, if necessary, challenged.

WHAT IF THE LOAN IS SECURED ON MY HOME?

Providing the loan is regulated under the Consumer Credit Act, we can assist you in challenging the agreement if it falls into one of the categories of unenforceable agreements listed above.

HELPLINE

If you require further advice on unenforceable agreements before using our service please call us on the free helpline below.

Tel: 0845 8450140
Calls charged at National Rate