Credit Agreements
Have you taken out a loan or finance before 6th April 2007. It may be not be enforceable under the Consumer Credit Act 1974.
Our customers will benefit from our unique and efficient service to have your credit agreements audited for breaches under the Consumer Credit Act 1974.
Credit agreements that are found to be in breach of the act are therefore potentially unenforceable are submitted to a expert partner law firm who act on behalf of our customers to challenge the enforceability of their credit agreement.
If the credit agreement is found to be unenforceable you may be entitled to the outstanding balance being reduced or completely cleared.
What credit agreements can be checked
If you have taken out finance before April 6th 2007 and it was for less than £25000 and you still owe more than £1500 your credit agreement may be audited for breaches to Consumer Credit Act 1974.
We can audit the following credit agreements:
Unsecured Loans Consolidation Loans
Secured Loans Motor Finance
Hire Purchase agreements 100 plus % Mortgages*
*the amount above 100% if regulated
Credit Card Charges
In 2006 the Office of Fair Trading ruled that charges of up to £35 were excessive. So if you have been charged by your credit card lender for late payments, going over your credit limit or similar charges made to your account you are entitled to make a claim for the charge made during the last 6 years. Even if the credit card has been paid off or the account has been closed.
If your claim is successful, you may receive a refund of all charges for the past 6 years.
Mis-sold Payment Protection Insurance (PPI)
*Mortgage Payment Protection Insurance
*Accident, Sickness and Unemployment Cover (ASU)
*Personal Loan Protection (PLP)
*Credit Card Repayment Protection (CCRP)
*Life and Accident Sickness and Unemployment Cover
*Life Cover
If you suspect that you have been mis-sold any of the above and would like to start making a claim please contact us even if the contract has been paid off. As long as it has came to an end within the last 6 years or if you are still paying for it.
Mortgage Contracts
Some lenders have been found to be over charging for mortgages, or have added charges that are unlawful.
We can have your mortgage including the insurances sold to you evaluated to ensure they are correct legal and properly charged.
Past mortgage evaluations have found:
*Incorrect calculations causing over payments
*Higher lending charges (mortgage indemnity guarantees)
*Mis-sold Protection Products
*and various other unjust charges
We will obtain from your lender the documents required to evaluate areas of the claim that are available to you.
Your mortgage must be current or have been redeemed in the last 6 years to be evaluated.
Have you taken out a loan or finance before 6th April 2007. It may be not be enforceable under the Consumer Credit Act 1974.
Our customers will benefit from our unique and efficient service to have your credit agreements audited for breaches under the Consumer Credit Act 1974.
Credit agreements that are found to be in breach of the act are therefore potentially unenforceable are submitted to a expert partner law firm who act on behalf of our customers to challenge the enforceability of their credit agreement.
If the credit agreement is found to be unenforceable you may be entitled to the outstanding balance being reduced or completely cleared.
What credit agreements can be checked
If you have taken out finance before April 6th 2007 and it was for less than £25000 and you still owe more than £1500 your credit agreement may be audited for breaches to Consumer Credit Act 1974.
We can audit the following credit agreements:
Unsecured Loans Consolidation Loans
Secured Loans Motor Finance
Hire Purchase agreements 100 plus % Mortgages*
*the amount above 100% if regulated
Credit Card Charges
In 2006 the Office of Fair Trading ruled that charges of up to £35 were excessive. So if you have been charged by your credit card lender for late payments, going over your credit limit or similar charges made to your account you are entitled to make a claim for the charge made during the last 6 years. Even if the credit card has been paid off or the account has been closed.
If your claim is successful, you may receive a refund of all charges for the past 6 years.
Mis-sold Payment Protection Insurance (PPI)
*Mortgage Payment Protection Insurance
*Accident, Sickness and Unemployment Cover (ASU)
*Personal Loan Protection (PLP)
*Credit Card Repayment Protection (CCRP)
*Life and Accident Sickness and Unemployment Cover
*Life Cover
If you suspect that you have been mis-sold any of the above and would like to start making a claim please contact us even if the contract has been paid off. As long as it has came to an end within the last 6 years or if you are still paying for it.
Mortgage Contracts
Some lenders have been found to be over charging for mortgages, or have added charges that are unlawful.
We can have your mortgage including the insurances sold to you evaluated to ensure they are correct legal and properly charged.
Past mortgage evaluations have found:
*Incorrect calculations causing over payments
*Higher lending charges (mortgage indemnity guarantees)
*Mis-sold Protection Products
*and various other unjust charges
We will obtain from your lender the documents required to evaluate areas of the claim that are available to you.
Your mortgage must be current or have been redeemed in the last 6 years to be evaluated.
08450 949 121
info@switchfinancial.com
info@switchfinancial.com l Tel: 08450 949 121 l Switch Financial Imperial Business Centre Grange Road Darlington DL1 5NQ
Consumer Credit Licence Number 613996
Consumer Credit Licence Number 613996
UNENFORCEABLE CREDIT
CREDIT AGREEMENTS
CREDIT CARD CHARGES
MIS-SOLD PAYMENT PROTECTION
MORTGAGE CONTRACTS
CREDIT AGREEMENTS
CREDIT CARD CHARGES
MIS-SOLD PAYMENT PROTECTION
MORTGAGE CONTRACTS
Our customers keep 100%
of their settlement
of their settlement
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