Free help and advice on how to clear your credit card debt

Unenforceable Credit Agreements
Unenforceable Credit Agreements- What are They? You may have heard the term ‘unenforceable agreements’ or ‘unenforceable credit card agreements’ quite a lot recently.You may know that it is possible to claim that you agreement is an unenforceable agreement and have the balance written off. But what are unenforceable agreements exactly? It is all based on [...]

PPI Statistics
The Citizens Advice Bureau (CAB) estimates there are over 20 Million PPI policies in existence, with over 7 Million being sold each year. The CAB has identified widespread mis-selling of PPI policies, including many consumers that had PPI premiums added to their loan without being told by the salesperson. The CAB found that only 4% [...]

PPI Controversy v MP Expenses Controversy
PPI Controversy v MP Expenses Controversy For those of you who may not have noticed, a large proportion of the UK population are in the process of reclaiming the Payment Protection Insurance (PPI) premiums that they have paid out, often in advance, often for worthless policies that wouldn’t even have allowed them to make a successful loss [...]

PPI Checklist
PAYMENT PROTECTION INSURANCE POLICY MIS-SELLING CHECKLIST If you answer YES to any of the questions below, there is a good chance that you were mis-sold your PPI policy. N.B. If you have, or have had, more than one PPI policy in the last 10 years, even if the finance that was covered has now been repaid, [...]

PPI Claims
Have you been mis-sold PPI? If you have received a payout from the insurance, you won’t be able to claim the policy was mis-sold to you. If possible find your copy of your policy’s terms and conditions. If you can’t find them, contact your lender to ask for a copy. Make sure it dates back [...]