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CREDIT AGREEMENTS If you have individual loans, HP agreements or running credit agreements (credit and store cards) of up to £25,000, it is likely that some of the agreements cannot be legally enforced by the Creditor, because such agreements are subject to strict regulations under the Consumer Credit Act 1974We can obtain copies of your credit agreements and associated documentation from the card issuers or credit company, and determine whether or not each agreement is enforceable, and if PPI or penalty charges are recoverable. If the agreements do not comply with the relevant regulations and procedures required by the 1974 & 2006 Consumer Credit Acts, we can initiate a process which leads to the effective elimination of your loan or debt. PAYMENT PROTECTION INSURANCE If you have had Payment Protection Insurance (PPI) on any credit agreement it is likely that we can recover all payments made together with interest charged. We can recover PPI even if the credit agreement has been paid in full. COURT PROCEEDINGS If your lender is taking court action against you we may still be able to help you on a "No Win No Fee" basis. We offer advice and representation should you or your home be threatened with legal action, charging orders, sale orders or repossession. We can also offer advice and representation for any court appearances in relation to set aside of Statutory Demands, Bankruptcy, Annulment of Bankruptcy and Winding-up proceedings IVA’S & DEBT PAYMENT PLANS If you have already entered into an IVA or debt payment plan (DPP) with your creditors we may still be able to help you. Any elements of the original debt which proves to be unenforceable can be removed from the IVA or DPP. In some cases this can mean that the IVA or DPP can be ended. If you have any issues relating to consumer credit, debt, insolvency, bankruptcy, defaults etc., contact Joanna Connolly and her team in the CCA department at our Wavertree office on 0151 254 2200, email This e-mail address is being protected from spam bots, you need JavaScript enabled to view it or complete the online enquiry form. |
