Note:

'Write Off Credit Card Debt'

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

Wipe Off Credit Card Debt Legally

 

 

 

 

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Wipe Off Credit Card Debt

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

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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. Up to 75% of debts taken on before that time have been discovered to be unenforceable, even by a Court, as they do not comply with the 2006 amendment to the Consumer Credit Act originally drafted in 1974.

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.

This applies to any of the following types of credit agreement (not just credit cards):

Credit Card
Secured and Unsecured Loans
Store Card
Car Loans/Finance (up to £25,000 each)

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 writing off or wiping off or clearing debt are understood in the colloquial sense. In most cases the debt will remain outstanding and on file.

Minimum criteria:

1 Resident of England, Wales, Scotland or Northern Ireland (or living abroad with a UK card or loan)
2 Have unsecured debts of over £3,000
3 Have at least one credit card or loan
4 The Credit Card or loan taken out before 6th April 2007

If you qualify in terms of all the above then apply in confidence using this short form:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

We are compliant with the CAN-SPAM Act. We will not pass your name or any other details to third parties apart from the specialist solicitor who will need to know these details in order to help you.

All correspondence is confidential.

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

 

 

Wipe Off Credit Card Debt: 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 wipe off (make unenforceable) credit card debt as it 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.


 

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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. To wipe off (make unenforceable) credit card debt is a response to the law which says that lenders offering loans without proper documentation cannot enforce recovery of the debt resulting from them.

We are also affiliated to IVA and debt management specialists, if that should be more suitable to your own circumstances. We can also put you in touch with highly competitive loan providers, if you really can afford to get yourself into more debt (but we really do recommend reducing your existing debt).

You can apply for a debt consolidation IVA here.

 

Wipe off credit card debt before April 2007

 

Are you having difficulties raising finance because of a poor credit history or lack of a credit history? With Unsecured Guarantor Loans you can borrow £500 to to £5,000 with no credit checks, by nominating a guarantor who will vouch for the repayments. Then you repay the loan as agreed and repair your credit rating.

 

 

 

 

 

 

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Easily wipe off (make unenforceable) credit card debt; our experienced legal team are highly efficient therefore the result is swift and inexpensive.

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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 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.