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CAB helps with UCAs

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  • CAB helps with UCAs

    Not sure how good they will be but I have attended a course with CAB advisers about unenforceable credit agreements so they are receiving training in the area.


    All free help is to be welcomed IMO.


    Originally posted by CAB

    Unenforceable credit agreements

    Some credit agreements made before 2007 may be unenforceable because the requirements of the Consumer Credit Act 1974 were not fully kept to.
    A number of commercial firms charge a fee to help you claim that a credit agreement that you have entered into is unenforceable. The Office of Fair Trading (OFT) has advised that anyone thinking of using the services of one of these firms should first seek independent advice, for example, from a Citizens Advice Bureau.
    There are also some companies which claim that, because some credit agreements may be unenforceable, they can take over your debt and get it written off.
    These claims are misleading because it's illegal to transfer a debt without the lender's permission. You will still be legally responsible for the money owed, could be chased for the debt by a debt collector and your credit record would be damaged if the debt wasn't repaid.
    If you're having trouble paying back your loan, you should contact your lender, or get free, independent advice from a debt advice agency such as Citizens Advice.
    To search for details of your nearest CAB, including those that can give advice by email, click on nearest CAB.








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  • #2
    nice topic

    nice topic~~~

    Comment

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