How would you feel if you could be rid of your debts? The claims management company that we use is guided by specialist barrister Oliver Mishcon. The team checks client agreements against consumer credit legislation and regulations to establish whether or not they comply with the law.
We offer you two services:
Fast Track
The debt must be a credit card taken before April 2007.
Just to put your mind at rest - for each debt accepted on this service you are GUARANTEED to be free of that particular debt. Quite simply this means that in the event that your credit agreement is rendered legally enforceable by a judge the claims management company that we use invokes its insurance and ensures that your entire outstanding debt is settled on your behalf. This method gives you peace of mind in a relatively short time period (normally 45-90 days).
- The Specialist Legal team will aim to audit your agreement within 45 days (audits will not take longer than 90 days)
- You will get confirmation whether or not you qualify to become debt free
- If the Specialist Legal team deem the debt unenforceable, you are GUARANTEED to be free of that particular debt. You stop paying the lender
- If the Specialist Legal team deems your agreement to be wholly and unquestionably enforceable you will be given a full refund of your fees. You continue to pay the lender
- You will keep 100% of any compensation awarded (if applicable).
Although lenders may continue to chase the debt until a decision is made legally (through a court) lenders cannot harass you, nor can lenders request a CCJ (County Court Judgement). All you need to do is update the Specialist Legal team and they will take the matter further.
Upfront Fees
The fees are per person unless the debt is in joint names. The fees are broken down into two parts. There are not any hidden fees. Fees are confirmed and agreed with you before you or we proceed.
- Auditing
- First Debt £350
- Subsequent Debts £250 each
- 10% of the credit card balance
Fees can be paid via credit/debit card (including a card that is being used for Debt Write Off - in which case a 3% surcharge is levied), bank transfer or Cheque. Auditing will not start until funds have cleared. It is important that you make any necessary payments to your lender until you are told the outcome of the audit. At the outcome you will be told whether to stop payments for that debt because the debt has been accepted or given a full refund of your fees if the debt is enforceable. In which case you need to continue paying.
(NOTE:If you cannot pay the fees up front we can arrange for some of the fees to be paid over a 6 month period. This method incurs additional costs. Please ask for details.)
Debt Audit
The debt can be secured or unsecured and taken at any time.
The Specialist Legal team also offer the EXACT same Credit Agreement Auditing service as other Claims Management Companies (CMCs) in the UK; but at a FRACTION of the price. Some CMCs will claim that you are insured with their service. THIS IS A MYTH. The only insurance that is put in place (ATE Insurance) offsets the lender's charges: NOT yours and NOT theirs. ATE insurance cover is also offered on this 'no win no fee' option.
This is a 'No Win No Fee' Option but it does NOT have any of the guarantees of the Fast Track service. In addition you must continue to pay your creditor until the case is completed - which could be up to 15 months.
- The Specialist Legal team requests all necessary paperwork from your lender
- You will get confirmation whether or not you qualify to become debt free
- If the Specialist Legal team deems your agreement to be wholly and unquestionably enforceable you will be given a full refund of your fees
- Case accepted on a 'no win no fee' basis. Audit begins. The Specialist Legal team will aim to audit your agreement within 3 months
- Litigation proceeds.
Although lenders may continue to chase the debt until a decision is made legally (through a court) lenders cannot harass you, nor can lenders request a CCJ (County Court Judgement).
Upfront Fee
The fee is per person unless the debt is in joint names. There are not any hidden fees. The Fee is confirmed and agreed with you before you or we proceed.
- Auditing
- First Debt £175
- Subsequent Debts £175 each
PLUS you will receive 100% of any compensation awarded (if applicable).
AGENTS WANTED
If you know people with the types of debt noted on this page and you can meet them at a convenient venue and time we would like to hear from you.
Previous experience is not necessary but a sympathetic nature is. Full training provided.
Please use the 'Contact Us' page noting your interest.
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