A unique way to get rid of loan and credit cards without actually repaying a penny!...
There is a way you can pay off debt without actually paying a penny, by what’s referred to as a ‘UCA’ or ‘Unenforceable Loan Agreement’, sometimes know as an 'Unfair Credit Agreement'.
What is a 'UCA' (Unenforceable Loan Agreement)? When a loan or credit card is taken out a ‘credit agreement’ is issued with it. These credit agreements MUST comply with the Consumer Credit Act 1974 in order for the lender to ask you to make repayments on any funds borrowed. There are a lot of agreements which do not comply with the act and are classed as ‘unenforceable’. UCA's are fast becoming the most popular solution when it comes to debt help in the UK today.
What debts can be challenged for ‘unenforceability'? Credit cards, Unsecured Loans, Secured Loans, Consolidation Loans, Car Finance, Hire Purchase can all be challenged.
How is this possible?
Any form of unsecured lending under the value of £25,000 is regulated by the Consumer Credit Act 1974. Recent changes to the Act has meant that certain clauses are voided resulting in a great number of credit agreements becoming ‘unenforceable’ in a court of law and the balance could be cleared. It doesn’t matter who the lender is, as long as the balance of the individual debt is below £25,000 we will be in a position to help you get the entire balance cleared and you walk away debt free!
How would you know if you had an unenforceable credit agreement?
We've created the perfect opportunity for you to clear the balance of your unsecured debts. Its free, easy to use and will tell you straight away if you qualify to have your agreement challenged. The test takes 30 seconds and once the form is complete, the results appear on screen instantly. Fill out our form here.
We can check the enforceablility of almost any credit agreement providing it is regulated by the Consumer Credit Act. If you are unsure, check the header of your agreement for something like 'Regulated by the Comsumer Credit Act'. If you would like one of our professional staff to look over it for you simply fax it to our office and we will get back to you within 24 hours.
If we are successful there are not additional charges, you keep 100% of the money recovered.
How do I see if I can cancel my Credit Agreement(s)?
Simply fill out our form here to see if your agreements can be challenged for unenforceability.
Want more information on Unenforceable Loan Agreements?
For the most frequently asked questions visit our FAQ section here.
Dont just take our word for it...
"The bill gives us the once-in-a-generation opportunity to prevent more people becoming trapped in grossly unfair credit deals".
'Lenders are preferring to settle out of court if there is a case to answer.'
"By process of law, the inequity of our relationship with the lender has been recognised".
"If contracts are proved to be unenforeceable, they cannot be collected by the lender".
BBC Panorama Documentary
Do I Qualify?
By answering a few simple questions, our calculator will test your agreements for unenforceability.
Free Unenforceability Check!
We dont charge any fees to see if your credit card and loan debts qualify for unenforceability.
Use our Free Calculator to see if you qualify 
