Debt Wipe Off
Can I Wipe Off Credit Card Debt Before April 6th 2007?
Credit Cards Before April 2007
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Debt Wipe Off
Your Credit Card & Other Debts Deemed Unenforceable
Get an Independent Quote for Free
If you want your debts to be considered legally unenforceable we can use our considerable experience at acheiving exactly that if the loan agreement(s) for your credit cards, loans, car finance, etc., date before 6th April 2007 and if the contracts lack certain details which are now demanded of the Consumer Credit Act since its amendment in 2006.
Although thought of by some to be a loophole in the law, this is actually a metter of legal precedent which is no mere legal loophole concerning debt. Write off most of your debts easily (it is estimated that 75% of all credit agreements lack what are known as the 'prescribed terms' and therefore are unenforceable). So complete the application form below and begin the process today.
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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. It's a fact that most UK lenders have not followed their legal obligations over the years. This means that such contracts may be unenforceable. The result is that your 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 prove that your agreement is not enforceable.
Can you Do It Yourself?
It is quite possible for you to go through this whole process and wipe off (make unenforceable) your debt by yourself. There's nothing to stop you.
However, the implications are mixed and various outcomes cannot be predicted with confidence. The creditor may register defaults and this will involve court hearings to get these removed which could become protracted. The law itself could change at some stage (this has been known to happen quite suddenly, as in the case of bank charges, which are still on hold).
If you chose to go through the debt write-off procedure yourself you would need to know how to prepare your case for such court hearings, and how to handle counterclaims by the creditors. There is always the danger of unexpected legal fees when things happen when you didn't think they would, and you need to know how to react to this when having your debt written off. This is why it is better to use a solicitor experienced in this specific field.
Much publicity was given to the man who recently decided on a debt wipe off (make unenforceable) process himself. He succeeded, and quashed £100,000 worth of debts, only to be given a £100,000 legal bill.
By using a qualified legal team there should be no need to attend court hearings when having your debt written off, and you would have the assurance that all matters were being dealt with properly.
Find out if you qualify for an IVA.
An IVA, or Individual Voluntary Arrangement, is an increasingly popular way of handling personal debt in a structured way and is usually conducted over a period of 5 years. You could apply for an IVA if your debt pattern meets certain specific criteria.
Fill in the application form here.
Debts written off before April 2007
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Debt wipe off (make unenforceable) and debts written off by our experienced legal team - the result is swift and inexpensive.
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.
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