What Credit Agreements are eligible for ‘Audit’?

Any Credit Agreement that is governed by the Consumer Credit Act of 1974. Including:

Credit Cards and Store Cards
Unsecured Personal Loans
Secured Loans
Consolidation Loans
Car Loans/Finance Agreements
Hire Purchase

I am not sure if I have the original agreements anymore, I guess that means you can’t help me?
Whether you have the original Credit Agreement or not we can request it for you. Even if you do have it, we need to make sure that we have an exact copy of the agreement held by the lender and would request it no matter what your situation.

Why do you charge an upfront fee?
Our fee covers all administration needed to process an Audit in order to determine if your Credit Agreement is unenforceable.

How long will the process take?
If the Solicitors decide that they can challenge your agreement, they will complete the Legal work necessary in around 8 to 12 months.

Will I be entitled to receive a refund of some or all of my previous repayments?
This will depend very much on what aspects of Law your Lender has broken. Therefore, our Solicitors can not guarantee to obtain a refund of some or all of your repayments.

Will my Lender chase me for the money or take me to Court?
It is in your best interest to carry on making your normal payments to your Lender. If you do not the case will be in dispute and the Lender may take action against you. Only Once the case has been accepted the Solicitors will then be acting on your behalf and your Lender must direct all communication to them and they cannot take you to Court because the Agreement is in dispute. In the unlikely event you receive any contact from your Lender after you have engaged our Solicitors, then you should refuse to discuss the matter and tell them to contact the Solicitors.

Can I see some examples of debts you have challenged?
A example is available on our index page under 'winning team'

Do I keep paying my monthly payments after contacting your Company ?
If you do not want to ruin your Credit Rating, you must continue to keep making your monthly payments until they have confirmed to you in writing that you can stop making payments.

What other services do you provide?
Being specialists in financial claims we can also help you to:

Reclaim Unfair Bank Charges and credit card charges.
Credit Agreement Audit facility
Reclaim Mis-sold Payment Protection Insurance (PPI)