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Unenforceable Agreements


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Does anyone actually check the agreements when they receive them. The majority of credit agreements are unenforceable, particularly if they are sub-prime loans secured on properties.


Creditors very often add additional charges on for brokers fees and administration costs. These charges, because they are not optional, are a charge for credit and should be shown as such. They also form an additional part of the agreement, thus making the agreement a multiple agreement in which there should be two clear parts.


The Consumer Credit Act is extremely complicated and most creditors get it wrong.


If you are in receipt of your agreement, check to see if the insurance in included in the total charge for credit (if not genuinely optional) and that there are two parts to the agreement for other additional fees.


There are agencies out there that can help [EDIT]

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There is a whole forum here that can help, and this is the second commercial referral I've read in your posts in the past ten minutes.


This forum is not for advertising!

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON


Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.



I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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