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Wipe Off Credit Card Debts and Loans Taken Out Before April 6 2007

If you have any credit card or loan agreements taken out prior to April 6th 2007 then there is a high possibility that they will be unenforceable. Up to 75% of debts taken on before that time have been discovered to be unenforceable, even by a Court, as they do not comply with the 2006 amendment to the Consumer Credit Act originally drafted in 1974.


This applies to any of the following types of credit agreement (not just credit cards):


Credit Card
Secured and Unsecured Loans
Store Card
Car Loans/Finance

Guarantees

  • Unenforceable Credit Cards
  • Unenforceable Store Cards
  • Unenforceable Loans
  • Payment Protection Insurance (PPI)
  • Loan Insurance
  • Bank Charges
  • Credit Card Charges
  • Mis-Sold Endowments
  • Mis-Sold Pension Plans

"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals."
BBC

"There are undoubtedly thousands, if not millions, of other unfair loans out there still to be checked."
thisismoney.co.uk

"The court said the loan agreement was unenforceable under the Consumer Credit Act after the original loan company had wrapped insurance payments into the debt and then added interest and penalty payments to the total"
guardian.co.uk