Identifying the Source of Financial Problems
Put together a full break down of all incomes and expenditures. Seek to identify the areas where savings can be realized. Whilst it isn’t possible to avoid paying a mortgage, it is possible to spend less on clothes, entertainment, cigarettes and alcohol.
Have you been the victim of excessive and unfair bank charges?
What Can I Claim For?
Send the details
The first stage is to complete a form giving details of your loan
Enter all the details you know about the credit agreement, and give details of any PPI (Payment Protection Insurance) you may have taken out with the agreement. Click submits to send us the details.
Check the Agreements
once you have submitted the form, we will check the agreements and call you to let you know if we think you may have a valid claim.
If we think we may be able to challenge the validity of your agreement, we will arrange for one of our representatives to come out to see you to complete all the necessary paperwork and collect your documents.
We will then forward them to our claims specialists for them to confirm whether, in their expert opinion, the Agreement is indeed unenforceable.
Challenge the Lender
if we believe that you have a good case, our solicitor will then contact the lender, on your behalf, giving them the reasons why they believe the agreement is unenforceable. Their extensive report of your agreement will be used to challenge the lender and they will look to overturn your outstanding loan balance.
At this stage, lenders may choose to settle out of court. However, some lenders will fight the case, which may end up going to court. Our legal representatives will act for you and take the case all the way to court.
Get your money back!
With our claims experts representing you, we aim to win your case and get back not only all the money you have paid, but interest as well. We will request that the lender puts you bank into the position you would have been in if the PPI had not been taken in the first place. In relation to unenforceability claims, if the solicitor succeeds in overturning you loan balance, no further payments will be required. Remember – you would not be receiving any cash payment for this type of claim. The solicitor will be fighting to reduce your balance or even wipe out your balance in full.
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