Unfair Loan Agreement Claims
Ratio Money offers a pioneering service to check that your unfair loan credit agreements comply with consumer protection legislation.
Approximately 50 million credit agreements are created in the UK each year. We believe a substantial number of those could fall foul of consumer rights.
Unenforceable Loan agreements
Capitalising on our experience in helping consumers fight for financial justice, we can help you check whether loan agreements signed before April 2007 are legally enforceable under the terms of the Consumer Credit Act 1974.
If there are errors in your loan agreement, it is regarded as being unenforceable, in which case our solicitors can help you have 100% of the outstanding debt written off.
Unfair credit agreements
Just as importantly, for agreements signed since April 2007, Ratio Money can now also check whether your relationship with the lender is fair. If your relationship with your lender is deemed to be unfair, the court has discretionary powers to redress the balance, often by cancelling or varying the agreement.
Working closely with our specialist legal team, we can audit all credit agreements with an outstanding balance exceeding £1,000:
- Secured loans
- Unsecured loans
- Hire purchase
- Consolidation loans
- Car loans/finance
- Credit cards and store cards
You keep 100% of any final settlement, plus interest.
If you think we may able to help with any of your credit agreements, simply call us on 0800 848 8810 for a free, no obligation consultation, or click the ‘Make A Claim’ button now.
Have you taken up an unfair or unenforceable credit agreement?
Does your credit agreement comply with consumer protection laws?
Do you feel your credit card or loan company are treating you unfairly?
Were the payback terms and interest rates on your agreement clearly explained to you before you signed?
Are your payments never ending and is the APR% interest always increasing?
You may not know the answer to the above – which is where we can help. Our professional legal team will audit your agreement to check for any unfair or unenforceable aspects. It doesn’t even matter if you have lost or misplaced your original credit agreement, we can request original copies on your behalf from your lender or credit card provider.
