Unfair Loans
The terms of your contractual agreement and the relationship with your lender can be deemed by the courts as "unfair".
In such cases, the courts can order that no further payments are made under the agreement, and/or previous payments are refunded to you or the terms of the agreement are modified to make them "fair".
This a far wider approach than simply seeking a declaration of unenforceability from your lender, which only applies in limited and very specific situations.
If the relationship is unfair, and depending on your specific circumstances, we can help in the following ways:-
- Remove unfair adverse credit references
- Reclaim any charges incurred unfairly
- Renegotiate any unfair contract terms or costs
- Reclaim any excessive payments
- Reclaim any mis-sold PPI (plus interest)
- Stop any further payments being made on unfair agreements
N.B. Unlike the unenforceability provisions, under "unfair relationships" we can deal with agreements that were written both before and after 5th April 2007 (the cut-off period that applies to unenforceability
claims) or in respect of loans over £25,000 or even where the original lender is no longer in business.