Click on the triangles to the right for responses to frequently asked questions about debt cancellation. Click below to see if you qualify to have your debts legally written off.Do You Qualify? Secure, Discrete & Confidential. 100% Free Advice. No Obligation
Our legal experts will challenge the legality of your debts for enforceability. We will utilise our knowledge of the law to review your consumer credit agreements to highlight any breaches, then we will enter into negotiations to get a reduced figure or even have your debts cancelled completely! We have a proven track record of success doing this and we will do this for you too. We don’t just manage your debts we challenge your debt! Therefore changing the options available to you and potentially reducing the negative impact on your credit file and future credit worthiness.
The review process to determine if your credit agreements are unenforceable is completely FREE. If you wish to proceed with our legal service to challenge your debts, you will pay ourselves a management fee which will be explained on the call with our legal experts. Our friendly, trained paralegal team will work with you closely to fully understand your current situation and collect all the relevant information needed to provide a tailor-made affordable, realistic and maintainable plan to help clear your debts and also help with getting your finances back on track.
We can challenge most consumer credit agreements - where we've found a significant number to be unenforceable - including personal loans, credit cards, store cards, catalogues, payday lenders, hire purchase, etc. We cannot cancel or negotiate a settlement on priority debts such as HMRC debt, utilities bills or council tax. If you just have an overdraft, we're unable to cancel this since it isn't covered by the terms of Consumer Credit Act but we could negotiate a settlement or repayment plan on your behalf.
If you are already in an IVA and maintaining payments, we would be unable to help you since you are legally bound to repay these debts through an IVA. On the other hand, if you're in breach or are likely to breach an IVA and may have received a letter of termination or a failure report, then we could potentially assist you by legally challenging your credit agreements and having the debts written off.
Whilst we challenge your creditors, with your express permission, we will distribute a goodwill payment of £1 to each of your creditors until we establish your liability to these debts. Any remaining monies will be held in your client account and used to make payment once your true debt level is established.
Once you have instructed our legal team to act for you, your debts will be frozen. Your creditors cannot pursue you for payment nor can additional interest or charges be added. Whilst your case is in progress, with your express permission, we will distribute a goodwill payment of £1 to your creditors until we establish your liability to these debts. Any remaining monies will be held in your client account and used to make payments once your true debt level is established.
No, you will not need to attend any court hearings as part of the process. Any communication from your creditors can be directed towards our legal experts.
No, once you have authorised ourselves to deal with you complaint on your behalf via a Letter of Authority, the creditors cannot harass you. If they do contact you, you can simply direct them to our legal team.
Owing to the poor responsiveness by some creditors, it isn't possible to provide an exact response. That said, the solicitor will act on your behalf for as long as it takes to negotiate a successful write-off or reduction of your debts with your creditors.
There will never be a negative impact on your credit rating for going through this process, and in some cases, the legal team will manage to actually improve credit ratings. It’s important to note that all cases are different, and this cannot be achieved for each creditor in every instance.
Once your free review is completed, the legal team will contact you to discuss their findings. If you do not wish to continue at that point, they will close your file and inform your creditors that they are no longer acting for you. In this instance, no further managment fees will be due.