Unenforceable credit agreements

At Stephensons our expert solicitors have successfully handled many unenforceable loan claims for consumers who were in possession of unenforceable finance agreements. Our credit agreement advisers offer fixed price 30 minute appointments for £150 for more information please call us on 0203 816 9314

We are the leading firm in the country at challenging unfair agreements. You may be struggling to keep up with repayments on a secured or unsecured loan. If you have a loan secured on your home we can assess whether it can be challenged. If you have a loan secured on a car, vehicle or other goods, that is worth more than £10,000 then it is worth getting it checked out. If you have an unsecured loan of more than £10,000 we can check your agreement for any discrepancies which may mean the debt could actually be wiped out. 

We also check for hidden commissions - these can be payments to insurers, brokers or other individuals, that you knew nothing about.  In certain circumstances  your lender may be forced to repay monies to you.

We are able to offer a variety of funding options including Legal Aid and Conditional Fee Arrangements, also known as no-win, no-fee.

loading staff

Unenforceable credit agreement - areas of specialism

  • Writing off agreements  
  • Complaints to the Financial Ombudsman Service 
  • Defending mortgage repossession claims 
  • Fighting bankruptcy and charging order hearings 
  • Hidden commissions 
  • Personal, secured & car loan agreements

Useful links

Citi Financial loan written off

Unenforceable credit FAQs

Can I really get my agreement written off?

Yes, if your agreement pre-dates 6.4.07 and breaches the Consumer Credit Act 1974, a write off may be possible.

What if my lender won't send me a copy of the agreement?

You can request the following items, quoting the 77 Consumer Credit Act 1974 – the agreement, any letters that vary the agreement, a statement of account, a statement of disbursements (who the loan monies were sent to). You can also seek a copy of application forms and any invoice for goods you bought if the loan was arranged by the seller. You must send £1 and allow your lender 21 days to reply. The debt cannot be enforced until the documents are made available.

What about agreements signed after 2007?

These are less likely to be written off. However they can be challenged if they are unfair.

Can I check the agreement myself?

We have a link to a website where you can pay a small fee to check the agreement yourself.

The goods I bought on credit are faulty - what can I do?

You may be able to sue your lender if the goods are faulty. This depends on whether the purchase was by credit card or a loan arranged by the seller. Whilst this means pursuing a larger finance company, it means they are more likely to meet any award made at court. They are also more likely to take a commercial view of a dispute.

9.2 out of 10
Trustpilot logo5-stars on trustpilot Based on count 444

We're Great

It is our business to deliver legal services that work for our clients, and you can trust our specialists to take care of things on your behalf.

Our Trustpilot reviews

An outstanding professional service from all the staff I dealt and spoke with. Friendly as well as informative and helpful, fast to reply to any queries. A credit to their profession, second to none in my book.
View from a dispute resolution client

"You broke your promise" - Son written out of Will because parents don't like his girlfriend

Within our jurisdiction, people can leave their estates to whoever they wish and there are no set rules for who you have to provide for. If family members are not happy with their provision from the estate of a loved one then they are able to challenge...

Read more

Twitter block 1 tweet


Lancashire Police launch Christmas drink-drive campaign

Lancashire Constabulary has launched a new campaign targeting drink and drug drivers this Christmas. The campaign, launched on December 1 st , will see Lancashire Police implement high profile enforcement activity on the regions roads throughout...

Read more

Dispute resolution reorder

  • Andrew Leakey
  • Liam Waine
  • Joanne Ellis
  • Usman Anwar
  • Heather Bailey
  • Niall Helferty​
  • Claire Richardson
  • Rachael Williams
  • Victoria Fagan
  • Beth Middleton

We're always here for you

As an award-winning top 150 law firm, with over 450 staff based in offices across the country, you're never far from the advice you need.

Find your nearest Stephensons office and arrange a meeting

As an award-winning top 150 law firm, with over 450 staff based in offices across the country, you're never far from the advice you need.