Hello All, Thanks to everyone whose posted their comments on this forum, I have found it very useful. I have done alot of research on companies that claim they are able to make your oustanding credit card and loans balances unenforcable. Results of my research: So far, there are only 2 companies with a 100% success rate with every related case they take to court. One seems to be better than the other but I won't to into details right now. Each credit card or loan is treated as a separate case. These 2 companies both charge between £300 to £500 for each case. But if they decide to take your case to court, they GUARANTEE 100% success rate. If after considering your case they see that there is even a 1% chance they will not win the case, they do not proceed to the court and they FULLY refund whatever you have paid. The processing times for Credit cards is 3 to 6 months. For Loans, its 6 to 9 months. It is quite a long time in my opinion but then most certainly worth the wait because if they decide to take your case to court, then they gaurantee 100% rate of success. The great thing about them as well is that they keep you posted with thier progress every step of the way. I graduated from Uni last year with about £11,000 worth of personal credit card debts. Now I'm on my way to being debt free which is just amazing. This company has been true to their word. I am currently awaiting judgement on the BarclayCard credit and HSBC Credit card. I hope this helps.