Credit Card Claims


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Do you feel ripped off from your credit card company for excessive charges?  Are you wondering if the credit agreement between you and your credit card company may be unfair or unenforeable?

>>> Complete our Credit Card Claim Form

There have been a lot of companies appear recently making bold statements about being able to 'write off' credit card balances and clear you of debts.  Unfortunately, this has created a lot of false hope for many and led them to paying out hefty up front fees to unethical and unqualified claims management companies.

Some agreements may well be unenforceable but getting them written off is a completely different matter.  We understand that many people may not have the personal knowledge or specific expertise to discover the secret flaws in their credit agreements, let alone how to recover the rightful compensation from their provider, but working with top City lawyers, we do.

How Do I know if I can Claim Credit Card Compensation?

The reality is, if you don't have specific knowledge in the area consumer credit law you probably won't know if your credit card agreement is legally enforceable or not.

Where agreements were made prior to April 2007 and a lender has not met their obligations under the prescribed terms of the Consumer Credit Act, a judge is not entitled to exercise their discretion and is compelled to rule that the loan is ‘unenforceable.’

We know what your agreement must contain and more importantly how it must be set out including any charges or additional costs incurred with the credit such as legal fees, document fees, broker fees or PPI. We will check your agreement for breaches. If your provider has fallen foul of the regulations, then the loan will be declared unenforceable, meaning the lender cannot enforce payment in a court of law.

Click Here To Contact Us For Claims Advice

Our experienced litigating lawyers based in the City of London are regulated by the Solicitors Regulation Authority and the Law Society.  They have many years of experience in this area of consumer law and know what to look for and how to pursue a legitimate claim.

They will be able to give you practical and reliable legal advice. Many of you will also be concerned that challenging your credit agreements may prejudice your credit rating. You may also be concerned as to whether you have to continue making your re-payments. Our solicitors will advise you on all of these issues.

How the Credit Card Claim Process Works

Firstly, our solicitors are prepared to review the status of your credit card agreement and secondly, where they advise that it is unenforceable, to offer you their legal services on a no-win no-fee basis whether as a claimant or defendant in legal proceedings against your lender. The charge for this professional legal advice is £199 per agreement. This fee is payable direct to the solicitor.

  1. The solicitor will contact your credit card provider to obtain a copy of your credit agreement
  2. Upon receipt of a copy of your credit agreement from the Lender it will be reviewed and you will be advised whether or not it is enforceable under the Consumer Credit Act

If your credit agreement is unenforceable, our solicitor will give you full written advice. They will also notify the lender in writing requesting confirmation that you have been discharged from any further obligations in respect of the credit agreement concerned.

Furthermore, should your agreement be unenforceable but your lender still issues enforcement proceedings against you, our solicitors will offer to represent you on a ‘no win no fee’ basis to defend the claim. They may be able to obtain a letter from the lender or the court discharging you from the debt. If you are being contacted by solicitors or debt collectors they will write to them to stop further collection activity and will take all steps possible to ensure that an adverse credit rating is not made against you, although this cannot be guaranteed.

If the lender does not comply with the request to discharge you from any further obligation and you want to instigate proceedings immediately for a declaration against your Lender, our solicitor will act on a Conditional Fee Arrangement however, you will need to fund the Court fees. The Court issue fee is currently £150 and this can be reclaimed back from the lender as part of the legal fees. If you have household insurance the solicitor may need to see a copy of the policy and the terms and conditions as you may be covered for any costs in legal proceedings.

The £199 fee payable for each credit card agreement that you would want considered, covers the solicitor’s fees for the request and review of each agreement and initial advice given in respect of it. The lender can also charge up to £11 per agreement to provide a copy of your agreement. For each agreement that is unenforceable the solicitor will reclaim this fee back from the lender which will be repaid to you as soon as it is received from them.

Consumer credit issues can be extremely complicated and there are a number of matters that need to be considered. You can see some useful FAQs relating to Consumer Credit Claims in our claims questions and answers section.

To enquire about making a credit card claim, please call us on 0845 308 1420 or complete the form below:

* Denotes required field
Full Name: *
Tel No.:
Email Address:
Postcode:
Name of Provider / Lender:
What is the current balance ()?:
When did you take it out?:
Did you take out payment protection insurance with it?:
Are you currently making the minimum payment?:
Any other questions / comments?:


Useful Links

>>> Check if your loan contract is unfair or unenforceable
>>>
Have you been mis-sold payment protection insurance (PPI)?
>>> Can I still reclaim unfair bank charges?
>>> Claims Questions & Answers
>>> Speak to one of our experienced claims advisers

 

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