Note:

'Write Off Credit Card Debt'

is understood as a colloquial term and means that the debt is unenforceable.

Wipe Off Credit Card Debt Legally

 

 

 

 

UCA Information


 

Can I Wipe Off Credit Card Debt Before April 6th 2007?

Credit Card Wipe Off Service

Credit Cards Before April 2007

Wipe Off Debt Online

Wipe Off Debts Solicitors


How Banks Work

What Happens When You Default On A Loan?


Loan Before April 2007

Debt Wipe Off

Clear Credit Card Debt

Unenforceable Loan Agreements

 


PayDay Loans by popular request!

Internet Banking High Interest Current Account!

Online Banking Accounts

 

 

 

 


General Privacy Policy

Help

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Wipe Off Credit Card Debt

Wipe Off Credit Card Debts and Loans Taken Out Before April 6 2007

Make Your Claim Today for Free

 

If you have any credit card or loan agreements taken out prior to April 6th 2007 then there is a high possibility that they will be unenforceable. A high proportion of debts taken on before that time have been discovered to be unenforceable by law, to the extent that even a Court may not order their enforcement. This is because they do not comply with the amendment to the 1974 Consumer Credit Act. To find a credit card debt is unenforceable means that that lenders offering credit without proper documentation cannot enforce recovery of the debt resulting from them.

If you're being harried by a debt collector then there's even more chance that the debt is unenforceable. They buy their debts in bulk (for around 10p in the £1) and usually won't bother with the correct documentation. So they won't know if it's enforceable or not and they won't risk losing a court case to find out!

It costs nothing to apply today.
Our legal team is highly specialised, so your case will be in the hands of true experts, unlike a lot of companies offering similar services which have surfaced recently.

NOTE: Make sure you take action before the courts change the law as they did with bank charge refunds last year. This may happen at any time, so act now!

This applies to all types of credit, including credit cards, secured and unsecured loans, Store cards, car finance, etc. The credit agreement must date before April 2007.

You must have unsecured debts greater than £4,000 and you must be making total repayments of over £120 per month.

Note: If a debt is found to be unenforceable this means that the debt cannot be collected, not that the debt is made to disappear. Thousands of people have been helped in this way. So apply in confidence using this short form:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Please note: Total monthly payments referred to in the above form is the total value of what you pay each month, not the number of different payments that you make. This figure must be greater than £120 per month.

Establishing that your account is unenforceable means that the debt cannot be collected; it will not make the debt disappear. It will probably remain on your credit file for 6 years, unless the debt itself is proven to be in error or a factual mistake.

All correspondence is confidential.

We are registered and regulated under the Data Protection Act. Reg. No. Z1620707

We are licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327

 

 

All This About Wiping Off Credit Card Debt: Is It a Loophole? How does it work?

The Consumer Credit Act of 1974 allows borrowers to challenge unfair credit agreements. Credit Agreements up to £25,000 and issued before 6th April 2007 must comply with the terms of the Act. Most UK banks and lenders have not followed their legal obligations under the Act over the years. This means that your credit agreements may be legally unenforceable. Recently, a high percentage of those agreements that have been challenged have been found to be unfair and unenforceable. The result is that you can make unenforceable your credit card debt as the debt cannot be collected.

We take details of your debts and our specialist legal team challenge the agreements with the lenders. They obtain documentation on your behalf and then verify the legality of the contract. Our legal team will then, via specific correspondence, prove that your agreement is not valid.


 

Bookmark and Share


 

Wipe Off Credit Card Debt: An IVA Is A Different Instrument But CAN Be Used

Please note that this is not a debt management plan or an IVA, where the debt is written off over 5 years. An IVA or similar instrument can write off credit card debt in 60 months or less (3 years in Scotland with a Protected Trust Deed) by means of an arrangement with creditors and through an intermediary called an Insolvency Practitioner. In the case of an IVA or other debt management programme, you may write off your credit card debt (and other unsecured debts) with the agreement of your creditors, who will receive a reduced amount of money in exchange for a guarantee that they will receive the money over a structured settlement. This is attractive to creditors because it is better than receiving nothing at all.

We are also affiliated to IVA and debt management specialists, if that should be more suitable to your own circumstances. You can apply for a debt consolidation IVA here. Application is free and the advice is independent.

Note: We do not recommend that you take out a so-called debt consolidation loan unless you can honestly afford to get yourself into more debt, which most people cannot. We really do recommend reducing your existing debt as the only long-term solution to debt misery.

 

 

 


 

 

 

 

 

 

 

 

 

Reclaim Unfair Credit Card Charges

Write Off Business Debt

 

 

Easily wipe off (make unenforceable) credit card debt; our experienced legal team are highly efficient.

UCA-Specific Privacy Policy

Free Life Insurance Online Quotes

Complaints Handling Scheme

Compliance

Wipe off credit card debts legally. All rights reserved.

 

Note: If a debt is found to be unenforceable this means that the debt can not be collected. It does not mean that the debt is wiped, cleared or written off, other than in exceptional circumstances. All references here to write off, writing off or wiping off or clearing debt and to 'write off credit card debt' are understood in the colloquial sense. In most cases the debt will remain outstanding and on file.


 

We are registered and regulated under the Data Protection Act. Reg. No. Z1620707

We are licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327

 

WE FULLY AND WHOLEHEARTEDLY ABIDE BY THE OFFICE OF FAIR TRADING'S BOOKLET DEBT MANAGEMENT GUIDANCE (OFT366). COPIES MAY BE OBTAINED FROM THE OFFICE OF FAIR TRADING.

FOR FULL DETAILS OF OUR COMPLIANCE AND THE WAY IN WHICH THIS RELATES SPECIFICALLY TO THIS WEBSITE CLICK HERE.

 

 

 

 

 

Wipe off credit card debt before April 2007