Credit Agreement

Do You Have A Flawed Credit Agreement?
If So, You May Not Have To Pay The Loan Back.

There has been some news in the press of late about how it may be possible to make a financial claim against the bank who you have a credit card with, due to the potential ‘unenforceability of the credit agreement. If successful, this can result having the current outstanding debt of the credit card completely cleared. What most consumers don’t yet fully understand is how it is possible to make a financial claim such as this.

The key lies in the credit agreement that you first signed when you took out your credit card. In order to find out if your credit agreement may be flawed and therefore, potentially ‘unenforceable’ by the lender, is to have it correctly evaluated - which is why it is important to seek out a reputable financial claims company who has a panel of solicitors experienced in the Consumer Credit Act. Any credit agreement signed by a consumer prior to the 6th April, 2007, is governed by the Consumer Credit Act of 1974 and must comply with its regulations.



Debt Clear Solutions Ltd is a regulated financial claims company that is able to provide a bona fide legal process for their clients.

To see if you have a valid credit card claim and possibly write off your credit card debt take our 60 second test at:











or call Debt Clear Solutions today for a free consultation on: 0207 544 1093

It Pays To Claim.

It Is Now Possible To Legally Clear Your Credit Card Debt

It Is Now Possible To Legally Clear Your Credit Card Debt &
Claim What Is Rightfully Yours.

It has come to light that a significant number of Credit Card Agreements signed before the 6th April, 2007, may be flawed and potentially cannot be enforced by the Credit Card provider. Although this information has been in the public domain for some time, it is only in the last year that consumers have started to hear about how this is possible. There is, however, still a misconception that the process involves taking advantage of a legal ‘loophole’ – on the contrary, it is the consumer’s legal right.

A Credit Card Agreement is the contract the consumer signs when taking out a Credit Card or Loan. This is a legally binding contract that has to be adhered to by both the consumer and the lender. Any Credit Agreement taken out prior to 6th April, 2007 is governed by the Consumer Credit Act of 1974. Should any of the prescribed terms of the Credit Agreement not comply with this Act then the consumer may have a credit card claim and possibly not be required to pay the outstanding balance back.

A recent example of this occurred in April, 2009, in a Lancashire court where the Judge found in favour of the consumer. The court confirmed the lender had breached a prescribed term of the Consumer Credit Act (CCA), resulting in the consumer not having 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 for ‘Which?’ said, “We have always known that people were being mis-sold PPI, but we were still amazed to discover the scale of it.”

More and more consumers are now discovering that not only may they be able to completely clear the outstanding balances on their Credit Cards through a credit card claim, without actually having to pay the loan back, but also receive further compensation for mis-sold PPI policies attached to the debt, as well as ‘unfair’ charges. However, it is important that consumers understand this is a legal process, which ideally requires the expertise of a regulated financial claims management company with the legal expertise and insurance in place to take on each case.















Debt Clear Solutions Ltd is a regulated financial claims company that is able to provide a bona fide legal process for their clients.

To see if you have a valid credit card claim and possibly write off your credit card debt take our 60 second test at:











or call Debt Clear Solutions today for a free consultation on: 0207 544 1093

It Pays To Claim.

Debt Clear Solutions

Our service consists of a proven legal process. We have an exclusive partnership with our solicitors, and have retained the services of a Barrister, who is an expert in Consumer Credit Law. He is on hand to supply guidance and law on individual cases as required.


Our solicitors are able to process 10,000 claims per month and operate a fully automated case management system so as to track our clients’ cases.


One of the major obstacles to successfully processing a case is having the available funding required in order to issue proceedings. This is necessary in a large volume of cases and costs in the region of £150 to £180 per case.


Due to the backing of a major equity investor, who has made a £25 million drawdown facility available to us, we are in the enviable position of being able to fund our clients’ cases up front. This ensures we can offer our clients a genuine service, with a successful resolution to their claim in as short a time as possible.



We are associated with an insurance company who provide "No Win, No Fee" After The Event Insurance. This ensures that our clients will not be liable for any further costs other than the initial application paid at the commencement of the evaluation (‘Audit’) process. Backed by a major firm in the City of London, our insurance is a three-tier premium policy, with the premium deferred until the end of the case.



We operate a comprehensive ‘Audit’ of each and every Credit Agreement to ensure there is genuine claim. Each case file is assessed three times before proceeding.



We offer a 100% REFUND POLICY. If, once we have conducted the ‘Audit’, we cannot identify any breaches of contract, thus preventing us from taking the case any further, we will refund the client their full application fee.



To see if you may have a claim take our 60 second test at www.DebtClearSolutions.com/Test or visit www.DebtClearSolutions.com for a free consulation.