Welcome to the Unenforceable
Credit Agreements web site.
PRESS: If you wish to start a debt management plan such
as an IVA (Individual Voluntary Arrangement) we can help you today.
An IVA can write off the majority of your total unsecured debt, leaving
you free to pay off a monthly amount until you are debt free, usually
after five years. But from Day One of your debt management
plan your creditors and debt collectors should no longer be allowed
to contact you (though it should be pointed out that this cannot be
guaranteed by anyone or any law).
that we are no longer providing unenforceable credit agreement services
(UCA) because of the recent test case rulings in the courts: we are
sorry to disappoint people with this, but we feel that it would be
unfair to hold out people's hopes in a sector of the law which may
this reason we are no longer processing any UCA applications.
if you want to start a debt management plan today then follow the link
below or complete the application form.
If you have at least
two accounts in debt, and total debts of £2,000 or more, you can
apply for a debt management programme or IVA which can write off the
majority of your total unsecured debt: apply
(If you owe less
than this, or are on state benefits, then use this
link to apply instead.)
We respect your
privacy and will not pass your details on to third parties without your
Unenforceable Credit Card Agreements Rules
(these are assumed to no longer apply)
your account is an unenforceable credit agreement means that the debt
cannot be collected; it will not make the debt disappear,
only your requirement to pay it. It will probably remain on your credit
file for 6 years, unless the debt itself is proven to be in error or
a factual mistake. You should avoid companies who tell you that they
will make the debt disappear, because that is not what happens! The
only thing that is removed is your obligation to pay the debt, because
by definition unenforceable credit agreements cannot be enforced by
The debt does not
disappear. Don't listen to anyone who tries to tell you that it does.
You just don't have to pay it, that's all. And think of what a difference
that would make to your household budget every month!
To write off credit
card debt may mean one of two things, in colloquial terms. It may mean
taking out an IVA and writing off up the bulk of your total unsecured
debt. Or it may mean taking steps to find out if the debt is unenforceable.
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and inrelation to any specific circumstances
that may relate to you. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
Credit Card Agreements.
credit card agreements before April 2007, Unenforceable car finance