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Unenforceable Credit Agreement

The Law Behind UCA Claims

Your Credit Rating

Criteria

Claims Process

Total outstanding balance of all your loans and credit cards (£) Date of Birth

Total number of loans and/or credit cards Home Phone

Combined monthly repayment of all loans and credit cards (£) Mobile

Were you sold Payment Protection Insurance (PPI)? E-mail

Date of your earliest credit agreement (ie. April 2007) House Name/No.

Title Post Code

First Name I have read and understood the Privacy Policy

Last Name

Some of the benefits of using our service:

We could write off your loans or credit cards balance using government finance legislation without the need to make repayments.

Free advice and no obligation to proceed.

Fast and friendly service from our expert Claims Specialist.

The Law

According to the Consumer Credit Act of 1974(CCA), if a financial agreement or terms and conditions for products such as credit card, loan, hire purchase, mortgage or any other borrowing is missing certain important term or was written incorrectly; then it is possible to stop making remainder of the repayments; or return goods and items you purchased with that loan. This type of contracts are considered unenforceable.

If you signed such an agreement then there is a fair possibility it can be written off. It can be a loan, credit card, hire purchase, mortgage, car loan or any other type of consumer finance agreement.

The Service

We could cancel your credit agreement and help you by saving thousands of pounds in stopped repayments.

For a small refundable fee your credit card or loan agreement will be assessed to see if it is unenforceable.

The process is quite simple, all you have to do is answer a few simple questions and return a letter of Authority and fair Trading Statement.

The Result

We will only proceed with your case if we are 100% confident it is unenforceable. Saving your precious time.

Once the assessment of your loan agreement has been evaluated, you will be notified of whether your case can be processed (your agreement is unenforceable) or not (your agreement is not unenforceable).

In case your agreement cannot be taken any further, you will be notified in writing and the initial fee you pay will be refunded. Contact us today to find out more.

See what the major national press are saying about it

"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals."

"The court said the loan agreement was unenforceable under the Consumer Credit Act after the original loan company had wrapped insurance payments into the debt and then added interest and penalty payments to the total"

"You may think that once you've signed a contract, it's legally binding, no matter what. But if the terms in the contract are judged to be unfair, you may not be bound by them."

"There are undoubtedly thousands, if not millions, of other unfair loans out there still to be checked."

This is not just a loophole to squeeze in some cash, this is exercising your rights.

It is a government ruling for those who at one point or another took out a loan under pressure and are victims of extortion.
Make your claim today, before your lenders change their terms; and it may be too late for you to claim. It is your right to cancel
Credit companies have the duty of offering products to customers in a responsible manner and have to let customers know what they are getting into. According to Teresa Perchard of Citizens Advice,

Consumer groups say the complexity and lack of transparency of some financial products make it difficult for consumers to pick the right product for their needs

If credit companies fail to comply with Consumer Credit Act and fail to let their customers know what they are being offered, such an agreement or credit contract can be seen as unenforceable; such creditors do not have the right to take a debtor or borrower to court for non-repayment. An Unfair Credit Agreement claim is based on this principle.

So, if you'd like to find out if your credit agreement is unenforceable and whether you could cancel it; contact us today to arrange a free call-back.

UCACaimExperts.co.uk is a trading name of Claims Advice Centre. Regulated by the Ministry of Justice in respect of regulated claims management activities. Registration is recorded on the website www.claimsregulation.gov.uk. Authorisation No. CRM16432