All loan and credit agreements must be set out in writing by the lender – including how much a borrower has to pay, over what time period and with pre-agreed rates of interest. If the terms have not been set out correctly under the credit agreement, it may be possible for a consumer to challenge the legality of such agreement.
In cases where a consumer does not abide by the terms of the agreement, for example in the case of non-payment, there are set procedures which lenders must follow, as set out in the Consumer Credit Act 1974. If a lender does not follow the rules correctly, or the consumer was not made sufficiently aware of what they were signing – it may be possible to make a consumer credit claim for compensation – a financial claim.
We can provide assistance at any stage of a dispute involving a consumer credit credit agreement, including financial claims involving:
Our specialist consumer credit experts can take immediate action to protect a client’s interests – and have a successful track record in challenging the legality of consumer credit agreements which are not compliant with the Consumer Credit Act.
Every case is different, with different challenges, aspirations and outcomes. In order for us to deliver a first-class, professional service we take the time to listen specifically to your case, review all necessary documentation and discuss the most appropriate, and effective course of action through with you in advance.
We don’t charge you unless we are successful. There are no hidden charges or upfront fees and nothing to pay until your claim is completed.
You are able to pursue a claim yourself to the Financial Ombudsman Service without incurring a fee
