Write Off My Credit Card Debts
How To Clear Your Debts in Two Stages
Clearing Your Debts In Two Stages: Working Examples
Can I Write Off Credit Card Debt Before April 6th 2007?
Write Off My Credit Card Debts
Write Off My Credit Card Debts and Loans Taken Out Before April 6 2007
Lots of people ask us "Write off my credit card debts" every day. Well, we can do just that. In fact we can write off your credit card debts (or any loan agreement, for that matter) as we are affiliated to a qualified solicitor with 17 years experience in handling insolvency cases. Our legal team will obtain and check your original loan or credit card agreement; then if certain items in the contract do not comply with the Consumer Credit Act provisions (as amended in 2006) then the debt will be deemed unenforceable. Our legal team will also ask the lender to wipe the debt from your credit record.This applies to any of the following types of credit agreement (not just credit cards):
Credit Card
Secured and Unsecured Loan
Store Card
Car Loans/Finance (up to £25,000 each)
Minimum criteria:
1 You must intend to write off any UK credit card debt or UK loan debt
2 Resident of England, Wales, Scotland or Northern Ireland (or living abroad with a UK card or loan)
3 Have unsecured debts of over £2,000
4 Have at least one credit card or loan
5 The Credit Card or loan taken out before 6th April 2007If you qualify in terms of all the above, and if you really want to write off your credit card debt and/or other debts, then apply in confidence by using the following:
Start an unenforceable credit agreement application here
All correspondence is confidential.
We are registered under the Data Protection Act. Reg. No. Z1620707
Write Off My Credit Card Debts: 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 write off credit card debt as it cannot be collected.
Solicitors manage every case at every stage in order to write off credit card debt. 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. As it is unenforceable, they will require the card company to write off the debt. In any event you do not have to pay anything further as the agreement would be unenforceable.
Write Off My Credit Card Debts: 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 write off 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 recommend reducing your existing debt, or writing it off altogether).
It is quite possible to write off your debts in two phases. Firstly by using existing legislation to clear 70% of debts which cannot be enforced because the original agreements do not conform to the revised Consumer Credit Act 1974, secondly by taking out an IVA or debt management program.
If an IVA is used then your debt would be cut by a further 70%, leaving you with approximately 10% of your original debt and writing off the rest. See How To Clear Debt In Two Stages.
Write Off Debts Lawyers | Reduce My Credit Card Debt | Reduce Your Credit Card Debt | Check My Credit Card Agreement | Check My Loan Agreement | Clear My Credit Card Debt | Legally Write Off Your Credit Card Balance | Wipe Out My Credit Card Debt
Write off my credit card debts | Write off your credit card debts | Reclaim Unfair Bank Charges
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Write off my credit card debts before April 2007. All rights reserved.
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