Credit Card Claim Help
Why Do You Need Credit Card Claim Help?
You can be forgiven for thinking it is a simple process to submit a credit card claim, and understandably we hear stories about those who have tried.
However, it is all to common to find that those attempting to process a credit card claim on their own find it rather difficult to achieve any real success.
The reason for this is that it is unlikely your Lender will settle without the threat of legal action. As this is a legal challenge based on complex law, it should not be perceived as a ‘Loophole’ to write off your debts. We have a Panel of Solicitors who are highly skilled in this specialised area. Firstly an ‘Audit’ needs to be carried out for each claim by a Claims Specialist to ascertain what within the prescribed terms of your Credit Agreement render it potentially ‘Unenforceable’.
Challenging your Credit Agreement is a Legal Process and requires extensive specialist knowledge of the Consumer Credit Act of 1974, which is why we have an exclusive partnership with our PANEL OF SOLICITORS, plus our associates retain the services of a BARRISTER who is an expert in Consumer Law: he is available to give guidance on our clients’ credit card claims, as required.
Associated Costs With A Credit Card Claim?
It is common to hear customer are being charged as much as £1000 per credit card claim, then at a later date being asked to pay further fees of several thousand pounds to cover the cost of the claim and the insurance or the claim will not proceed. This is very unfair as the consumer should not be asked to fund the cost of the claim itself as well as the insurance premium.
In some case the client is also being asked pay a percentage of the claim on completion, effectively meaning if you have a claim that results in a £10,000 balance not hainvg to be repaid, then you may find yourself owing up to 30% of that figure to the claims company in additional fees. Which at the time of taking out the claim may not have seemed unreasonable, however this is extremely unfair to the consumer and you should be aware that there are companies who do not charge this additional fee.
Debt Clear Solutions have private funding available from a major equity investor to take your case through the LEGAL PROCESS, without any further cost to you. We also work in association with a large City Insurance Firm who provide AFTER THE EVENT INSURANCE so you are represented on a NO WIN NO FEE basis. This ensures you do not incur any further costs apart from the initial fee you pay at the commencement of the claims process.
Only a very few companies currently specialize in genuinely challenging Unfair Credit Agreements and successfully clearing their clients’ outstanding Credit Card and Loan balances. Debt Clear Solutions prides itself on being one of the few companies who does not charge their clients a percentage of the cleared balance upon successful resolution of the case.
Another misconception is that any credit card can be challenged, however we have found this not to be the case and in fact the only credit card claims that can be processed are those where the outstanding balance is between £3,000 to £25,000 and was taken out before 6th April, 2007, so it is governed by the Consumer Credit Act of 1974.
Why Have These Issues Come To Light?
This information has been in the public domain for some time, however, given the current economic turmoil, we, the consumers, are now fighting back.
A recent example of this with regard to challenging ‘Unenforceable’ Credit Card and Loan Agreements, occurred on 8th April, 2009, at Chester Court, where Judge Halbert found in favour of the consumer in the case between Mr. Michael Walker and the lender Southern Pacific Personal Loans (SPPL). The Judge formally handed down a judgement confirming SPPL had breached a prescribed term of the Consumer Credit Act (CCA), meaning the loan between Mr. Walker and SPPL cannot be enforced by the lender. Consequently, Mr. Walker is no longer required to pay the loan back.
Most consumers are now fully aware of unfair bank charge reclaims. However, the issue of “Unfair” Charges being added to Credit Cards is now also coming to light. Consumers are challenging excessive and unnecessary charges being added to their Credit Card debt pertaining to late payments or exceeding their credit limit. Recent press coverage has also highlighted the mis-selling of PPI’s (Payment Protection Insurance).
‘Which?’ magazine in June 2008 stated: ”…..as many as 2 million policies have been sold to people who may not be eligible for cover…”
‘Which?’ estimates that “around 6 million PPI policies – about a third of the market – were attached to loans at the end of 2006.” Doug Taylor spokesman from ‘Which?’ said, “We have always known that people were being mis-sold PPI, but we were still amazed to discover the scale of it.”
Where Can I Get Help With My Credit Card Claim?
The aim of Debt Clear Solutions is to assist you by managing the credit card claim process in order to clear all of your outstanding balances on your Credit Cards and Loans that have ‘Unenforceable’ Credit Agreements. However, you may also be entitled to further compensation due to Unfair Credit Card Charges or Mis-sold Payment Protection Insurance (PPI). By lodging a MULTIPLE CLAIM, you may be surprised to discover you are entitled to compensation.
Our goal is to provide a professional credit card claim service that ultimately clears your credit card debt and get you the compensation that is rightfully yours.
Enter promo code CCC95, for discount.
To receive the discount enter promo code CCC95 when you take our 60 second test.
To see if you may have a credit card claim
take our 60 second test at:
or call us for a free consultation on:
0208 123 9524
Debt Clear Solutions does NOT charge a percentage of any debt cleared upon the success of an Unfair Credit Agreement Claim. The promotional fee of £95 is the only fee you will pay.
Debt Clear Solutions is a Financial Claims Company authorised and regulated by the Ministry of Justice in respect of regulated claims management activities, (Authorisation No: CRM15623).
Debt Clear Solutions is a trading style of ICSVCS LTD. International House, 223 Regent Street, London W1B 2QD.
Registered in England as a Limited Company Registration No. 06610207
Debt Clear Solutions © 2009.
