Debt Defence

24/02/2022

If you have had your mortgage application rejected because of unknown CCJ's on your credit file, we could help.

Please contact us today for a free consultation.

People are building up huge amounts of unsecured debt, which may hamper mortgage and remortgage applications this year

04/02/2022

"The record quarterly rise of nearly 82,000 judgments suggests creditors are no longer showing the same restraint as they did at the start of the crisis"

Record quarterly rise of 82,000 CCJs in England and Wales comes ahead of planned lifting of repossessions ban

31/01/2022

Have you received a CCJ or a County Court Claim Form?

If so, Contact us today for a free debt consultation, we could help fight your claim and help you get one step closer to being debt free.

BREAKING parking rules isn’t uncommon and most drivers know the frustration of receiving a costly brown envelope through the letterbox. But what most drivers aren’t aware of are the severe re…

28/01/2022

"The burden of proof lies with the debt company"

Just another interesting article giving you an insight into the practices of Debt Collection Agencies and their legal counterparts!

If you have discovered a CCJ or County Court Claim against you but it was issued at a wrong address then you may have a case!

Contact us today for a free consultation!

CCJ 📝// County Court Claim Form ⚖️// Debt Purchasers 💰// Credit Cards 💳// Finance 🚗// Phone Contracts 📱

It is over an unpaid energy bill from E.ON but I have never been a customer

27/01/2022

We help everyday people from the daunting debt collection agencies and lenders who are pursuing debt litigation matters.

If you have been contacted by a Debt Collection Agency or have been issued County Court Claims against you call us today as we could help you defend your claim!

Contact us today for a free consultation and take your first step to becoming debt free!

26/01/2022

Are we heading for a national debt crisis or are we already there?

https://inews.co.uk/inews-lifestyle/money/saving-and-banking/report-one-in-three-uk-households-now-struggling-pay-bills-1421402

"One in three admitted money was very tight, twice as many as the number who said they were struggling in March 2020"

With the forcasted rise in energy prices in April, as well as utilities bills, council tax, food and groceries, we could help you fight any claims from creditors or debt purchasers alike!

Get in touch for your free consultation!

Amid soaring living costs, charity calls for government-backed no-interest loans as number forced to borrow to cover basic needs doubles since start of pandemic

24/01/2022

HOW OFTEN DO YOU CHECK YOUR CREDIT FILE?

Credit reference agencies collect and store financial information which is used to establish your credit score. The data may affect your prospects of being accepted for credit, which may affect your chances of getting a mobile phone contract, finance, credit card or loan.

We receive countless enquiries from people who realised that they have CCJ's on their credit files and knew nothing about them. A lot of these CCJ's come from claims that were issued to a wrong address and failure to respond leads to default judgments being obtained.

It is essential that you check your credit report frequently! If you see something you do not recognise, query it! It is also important for checking that you are not a victim of identity theft and to prevent future misuse of your identity.

The main credit reference agencies are Experian and Equifax, however you can sign up to the likes of Clearscore and Creditkarma which are free to use.

If you have a CCJ get in touch for a free consultation!

21/01/2022

The pandemic has resulted in an increase of consumer debt especially in credit cards.

If you are in arrears please do not hesitate to get in touch for a free consultation

Credit Card / Debt / Consumer Debt / CCJ / Debt Management /

Borrowing on credit cards reached highest level in more than a year in November

21/01/2022

We help people nationwide!

Defending claims issued in the County Court for consumer credit debts by banks and Lenders.

These include loan agreements, credit card agreements, hire purchase agreements and current account overdrafts.

These claims are often issued by debt purchasing companies such as the Cabot Group (Cabot Financial (UK) Limited, Marlin, MFS Portfolio), Arrow Global (Arrow Global Limited, Arrow Global (Guernsey) Limited, Capquest), Lowell Portfolio, PRA Group (UK) Limited, Hoist Portfolio, Idem Capital Securities Limited, Intrum UK Finance Limited (formerly First Credit) and others.

• Section 75 Consumer Credit Act Claims
• Consumer Protections Rights Act 2015 claims/defences
• Applications to set aside Default Judgments
• Summary Judgment Applications
• Appealing Judgments ordered at a hearing
• Injunctions
• Possession Proceedings
• Court proceedings issued to enforce personal guarantees
• Applications to set aside Statutory Demands issued by creditors
• Applications for bankruptcy annulment.
• Data Protection Act issues which includes creditors, lenders and debt purchasers making incorrect reports to the credit reference agencies.
• Breach of contract disputes

19/01/2022

Are you tired of receiving threatening letters from debt purchasers and collections agencies?

We are here to help!

We are experts in consumer law and could help you defend your claim.

Contact us now for a free consultation and we may be able to assist you get debt free.

CCJ 📝// County Court Claim Form ⚖️// Debt Purchasers 💰// Credit Cards 💳// Finance 🚗// Phone Contracts 📱

18/01/2022

Are you being chased by debt collection agencies? Had your original debt sold onto a Debt Collection Agency? Being threatened with Court proceedings? we can help. If you have already been issued with a County Court claim form, then contact us as we could help you defend your debt.

We are specialist firm who always put our clients’ interests first, focusing 100% on achieving the best possible outcome for you.

Contact us today to find out how we can help you.