Unfair Credit Agreements

The terms of your contractual agreement and the relationship with your lender can be deemed by the courts as “unfair”. In such cases, the courts can order that no further payments are made under the agreement, and/or previous payments are refunded to you or the terms of the agreement are modified to make them “fair”.

This a far wider approach than simply seeking a declaration of unenforceability from your lender, which only applies in limited and very specific situations.

If the relationship is unfair, and depending on your specific circumstances, we can help in the following ways:-

• Remove unfair adverse credit references
• Reclaim any charges incurred unfairly
• Renegotiate any unfair contract terms or costs
• Stop any further payments being made on unfair agreements
• Reclaim any mis-sold PPI (plus interest)
• Reclaim any excessive payments
  

N.B. Unlike the unenforceability provisions, under “unfair relationships” we can deal with agreements that were written both before and after 5th April 2007 (the cut-off period that applies to unenforceability claims) or in respect of loans over £25,000 or even where the original lender is no longer in business.