ÿþ<html> <head> <meta name="Description" content="Under the 1974 Consumer Credit Act, if you have entered into any credit agreement prior to April 2007, the debt is probably unenforceable in law and could be written off. Do you qualify?  Free Check. > <meta name="Keywords" content="debtcomp, debt, credit, write off, write-off, debt write off, debt write-off, no win no fee, no-win-no-fee, credit card, credit cards, credit debt, grass roots, grass roots financial, 1974, CCA, consumer credit act, April 2007, claim, claims, agreement, credit agreement, credit companies, finance companies, banks, lender, lenders, borrower, borrowers, compensation, loans, personal loans, secured, unsecured, mortgage, mortgages, re-mortgage, re-mortgages, finance, car finance, personal protection insurance, ppi, PPIs, PPI s"> <title>DebtComp, Credit Debt Write Off and Compensation Claims (No-Win-No-Fee), County Durham and Northeast</title> <style type="text/css"> a:link {color:#461c1c} /* unvisited link */ a:visited {color:#461c1c} /* visited link */ a:hover {color:#aaaaaa} /* mouse over link */ a:active {color:#461c1c} /* selected link */ </style> <link rel="stylesheet" href="http://www.in-and-around.co.uk/assets/csite.css" type="text/css"> <link rel="stylesheet" href="http://www.in-and-around.co.uk/assets/csitespec.css" type="text/css"> <link rel="alternate" href="http://www.in-and-around.co.uk/rss/site.rss" type="application/rss+xml"> <script src="https://ajax.googleapis.com/ajax/libs/jquery/1.3.2/jquery.min.js"></script> <script language="JavaScript" src="http://www.in-and-around.co.uk/assets/stdlib.js"></script> <script language="JavaScript" src="http://www.in-and-around.co.uk/assets/custom.js"></script> <script language="JavaScript" src="http://www.in-and-around.co.uk/assets/formProc.js"></script> <!-- flooble Expandable Content header start --> <script language="javascript"> // Expandable content script from flooble.com. // For more information please visit: // http://www.flooble.com/scripts/expand.php // Copyright 2002 Animus Pactum Consulting Inc. //---------------------------------------------- var ie4 = false; if(document.all) { ie4 = true; } function getObject(id) { if (ie4) { return document.all[id]; } else { return document.getElementById(id); } } function toggle(link, divId) { var lText = link.innerHTML; var d = getObject(divId); if (lText == '+') { link.innerHTML = '-'; d.style.display = 'block'; } else { link.innerHTML = '+'; d.style.display = 'none'; } } </script> <!-- flooble Expandable Content header end --> </head> <body bgcolor=#2a2a2a> <span style="FONT-SIZE: 8.5pt; color: #461c1c; FONT-FAMILY: verdana"> <center><TABLE bgcolor=#c0c0c0 border=2 cellpadding=20 cellspacing=0 width=700><TBODY> <TR><TD width=700><IMG alt="" hspace=0 vspace=0 src="http://www.britnett-carver2.co.uk/in-and-around/images/DCbanner.jpg" align=left border=0><br><br><br><br><br> <center><b><span style="FONT-SIZE: 11pt; color: #800000; FONT-FAMILY: verdana"> DebtComp Independent</span></b><br> <span style="FONT-SIZE: 10pt; color: #461c1c; FONT-FAMILY: verdana"> Introducer Agents for Grass Roots (Financial)</span> <span style="FONT-SIZE: 2pt"><br><br></span> <span style="FONT-SIZE: 8pt; color: #461c1c; FONT-FAMILY: arial"> <I><b>Email: info@debtcomp.co.uk</b></I></span></span></center><br> <span style="FONT-SIZE: 9pt; color: #800000; FONT-FAMILY: verdana"><center><b>Credit Debt Write Off and Compensation Claims</b></center><br> <span style="FONT-SIZE: 8.5pt; color: #461c1c; FONT-FAMILY: verdana"> <p>Most people in the UK now have some form of credit debt  credit card, mortgage, loans of one sort or another. The 1974 Consumer Credit Act was put in place to protect the consumer (the borrower) and outlines a strict set of procedures, rules and regulations that must be followed by lenders in drawing up all forms of credit agreements.</p> <!-- flooble Expandable Content box start --> <div style="border: 1px solid #777777; padding: 0px; background: #eeeeee; "><table border="0" cellspacing="0" cellpadding="2" width="100%" style="background: #888888; color: #eeeeee; "><tr><td><span style="FONT-SIZE: 9pt; color: #802020; FONT-FAMILY: verdana">So What Changed?</span></td><td align="right"> Click [<a title="Show/Hide" id="exp1267537667_link" href="javascript: void(0);" onclick="toggle(this, 'exp1267537667');" style="text-decoration: none; color: #FFFFFF; ">-</a>]</td></tr></table> <div id="exp1267537667" style="padding: 3px;"><br>Changes to the Act in April 2007 were made to tighten up these procedures and offer the consumer further protection. However, prior to this date it is now becoming increasingly apparent that many credit agreements were flawed or invalid in some part and did not comply with the 1974 CCA. In law, such agreements can therefore be deemed unenforceable in which case the debt can be totally written off. Furthermore, it may also be possible for the borrower to gain some compensation for interest paid to the lender throughout the span of the agreement, and this can also apply to debts that have already been fully paid off. <br><br> This is not simply a case of  mis-selling on the part of the lender, although it could be a factor. Nor is the fact that you signed an agreement of issue. It is the sole responsibility of the lender to provide a legal agreement which follows the guidelines of the Credit Act in its entirety and outlines clearly your terms and conditions. Where the letter of the law in place at the time has not been followed by the lender, the contract can be deemed illegal and the debt therefore unenforceable in law. <br><br> Under sections 77-79 of the Act, lenders must supply a  true copy of the original signed agreement within 12 days of request. And as is demonstrated by the growing number of successful claims, lenders are not able to fudge the issue with excuses of missing documents, new contracts, re-drafts, etc. </div></div> <noscript><a href="http://www.flooble.com/scripts/expand.php">this expanable content box is made using a free javascript from flooble</a> | <a href="http://perplexus.info/">technical interview puzzles, riddles and brain teasers</a> </noscript> <script language="javascript">toggle(getObject('exp1267537667_link'), 'exp1267537667');</script> <!-- flooble Expandable Content box end --> <p>If you have entered into any credit agreement with a lender (particularly the major companies) before April 2007, then there is a high possibility the debt will be unenforceable because many lenders have failed to meet their obligations. The types of agreements covered are: </p> <span style="color: #592c2c"> <p><center><b> Credit Cards<span style="FONT-SIZE: 3pt"><br><br></span> Mortgages / Re-Mortgages<span style="FONT-SIZE: 3pt"><br><br></span> Secured Loans / Unsecured Personal Loans<span style="FONT-SIZE: 3pt"><br><br></span> Car Finance<span style="FONT-SIZE: 3pt"><br><br></span> Payment Protection Insurance (PPI) <span style="FONT-SIZE: 3pt"><br><br></span> Loans Leading to House Repossession (or threat of)<span style="FONT-SIZE: 4pt"><br><br></span> </b></center></p></span> <p>In recent years a number of people have challenged lenders to write-off their credit debts as unenforceable, which has forced the finance companies to make a stand against individuals, in court if necessary. The likelihood of success when going it alone is therefore very small and carries the risk of huge legal costs. A safer and more reliable option is therefore to place yourself in the hands of a specialist company, and their legal team, to proceed on your behalf. </p> <p>We represent one such company who are rapidly developing a reputation as pioneers in the field, having now successfully contested and won numerous cases brought against lenders, on a No-Win-No-Fee-basis. </p> <!-- flooble Expandable Content box start --> <div style="border: 1px solid #777777; padding: 0px; background: #eeeeee; "><table border="0" cellspacing="0" cellpadding="2" width="100%" style="background: #888888; color: #eeeeee; "><tr><td><span style="FONT-SIZE: 10pt; color: #802020; FONT-FAMILY: verdana">What To Do Next</span></td><td align="right"> Click [<a title="show/hide" id="exp1267537850_link" href="javascript: void(0);" onclick="toggle(this, 'exp1267537850');" style="text-decoration: none; color: #FFFFFF; ">"</a>]</td></tr></table> <div id="exp1267537850" style="padding: 3px;"><br>You may be wondering if any of this can apply to you. Well, if you have taken out <b>ANY credit agreement before 6th April 2007</b>, it is highly likely you will have a claim worth pursuing. This will be of particular benefit if you are struggling for whatever reason to meet your payments or, for example, tend to have your credit card(s) run to the limit. There is no limit to how many claims you can make - loans, mortgages, credit cards, etc. - so long as each meets the above requirement.</div> </div><noscript><a href="http://www.flooble.com/scripts/expand.php">this expanable content box is made using a free javascript from flooble</a> | <a href="http://perplexus.info/">logic problems, math puzzles</a> </noscript> <script language="javascript">toggle(getObject('exp1267537850_link'), 'exp1267537850');</script> <!-- flooble Expandable Content box end --> <p>It is totally free to take the initial step to find out if you may have a viable claim, and you will have an answer typically within 24 hours. </p> <p>Please let us put you in touch with one of our Advisors by completing the form below. They will explain the initial procedure, which is actually very simple and straight forward requiring the minimum of details from you, and run through the follow-up procedure should your claim be initially flagged as  proceed . Following this there is a small administration fee <b>per claim</b> to set the process into motion to its conclusion.</p> <center> <script language="JavaScript"> var formProcConfig = { formSelectorBase:'#form', procUrl: 'http://www.in-and-around.co.uk/cgi-bin/strcvr/bin/axform.cgi' }; </script><script language="JavaScript"> $(function() { formProcConfig.formNum = 1; formProcessor(formProcConfig); }); </script><style>.loadingImg {width:100%; text-align:center; display:none;} .alertContainer {display: none;}</style><style type="text/css">#form1 {width:80%;}</style><div class="mainformContainer"><form class="mainForm" id="form1"><input name="fmid" type="hidden" value=1><input name="appId" type="hidden" value="73syjqrkg8bqd6te73gvw"><div class="formTitle">Advisor Contact Request</div><div class="formNotes">Fields marked (*) are required.</div><div class="formBody"> <table><tbody> <tr><td><div class="fieldItem">*First Name<br><input maxlength=50 name="firstname" size=31 type="text" value=""></div></td> <td><div class="fieldItem">*Last Name<br><input maxlength=50 name="lastname" size=32 type="text" value=""></div></td></tr></tbody></table> <div class="fieldItem">Email Address<br><input maxlength=100 name="emailaddress" size=70 type="text" value=""></div> <table><tbody> <tr><td><div class="fieldItem">*Home Phone or Mobile<br><input maxlength=50 name="phone1" size=20 type="text" value=""></div></td> <td><div class="fieldItem">Alternative Phone Contact<br><input maxlength=50 name="phone2" size=20 type="text" value=""></div></td></tr> <tr><td><div class="fieldItem">*Best Day to Call<br><select name="day1" size=1><option value=1>Any Day</option><option value=2>Monday</option><option value=3>Tuesday</option><option value=4>Wednesday</option><option value=5>Thursday</option><option value=6>Friday</option><option value=7>Saturday</option><option value=8>Sunday</option><option value=9>Weekend</option></select></div></td> <td><div class="fieldItem">*Best Time to Call<br><select name="time1" size=1><option value=1>Any Time</option><option value=2>9am - 10:30am</option><option value=3>10:30am - Noon</option><option value=4>1pm  3pm</option><option value=5>3pm  5pm</option><option value=6>Early Evening</option></select></div></td></tr></tbody></table> <div class="fieldItem">Alternative Day/Time To Call - Any Other Comments <br><textarea cols=54 name="alternativedaytime" rows=2></textarea></div> <div class="formBtn"><input class="formBtn" name="subbutton" title="Submit form" type="submit" value="Submit"></div></div></form></div><div class="loadingImg" id="loadingImg1"><img border=0 src="http://www.in-and-around.co.uk/sysimgs/loading.gif"></div><div class="alertContainer" id="alertContainer1"><div class="formAlertMsge" id="formAlertMsge1"><div class="formAlertHeadline" id="formAlertHeadline1">Attention</div></div></div> </center> </TD></span> <!-- <TD bgcolor=#eeeeee width=180><span style="FONT-SIZE: 8.5pt; color: #111111; FONT-FAMILY: verdana"> <center> <A href="http://www.cartelclientreview.co.uk/img/press/100114_financial_times.jpg" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/FT.jpg" align=center border=0></a><br><br> <A href="http://www.cartelclientreview.co.uk/img/press/100109_mail_online.jpg" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/Mail.jpg" align=center border=0></a><br><br> <A href="http://www.cartelclientreview.co.uk/img/press/100106_about_banking.jpg" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/Landmark.jpg" align=center border=0></a><br><br> <A href="http://www.cartelclientreview.co.uk/img/press/100201_mortgage_finance_gazette.jpg" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/Mortgage.jpg" align=center border=0></a><br><br> <A href="http://www.cartelclientreview.co.uk/press_article.aspx?article=128" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/IrishNews.jpg" align=center border=0></a><br><br> <A href="http://www.cartelclientreview.co.uk/press_article.aspx?article=120" target=_blank><IMG alt="" hspace=0 src="http://www.in-and-around.co.uk/DebtComp/CreditToday.jpg" align=center border=0></a></center></span></TD> --> </TR></TBODY></TABLE></center></span> <span style="FONT-SIZE: 8pt; color: #461c1c; FONT-FAMILY: arial"> <center>Copywrite©DebtComp Independent 2010 (All rights reserved)</center></span> </body></html>