Your credit card debts could possibly be cancelled.

Do not confuse with unfair bank charges or re-claiming banking ‘fines’.

We analyse whether your credit card balance is unenforceable. If this is found to be the case your balance could be cleared, or cancelled.

If you have a credit card where the contract was issued before the 1st of April 2007 you will want to know about our credit card claims service. With each credit card review we analyse whether the credit card agreement is unenforceable.If a credit card contract or agreement is held to be unenforceable then the lender may have no legal basis on which to enforce the contract and pursue for the outstanding balance. If a contract has financial irregularities you may be entitled to financial redress and compensation.

A Help 4U Review representative will introduce you to the claim service and explain how Help 4U Review may be able to help you make a claim to write off the balance of your credit card. The representative will ask you for basic details of your cards and introduce you to other Help 4U services that may be relevant to you. Each potential claim will be entered onto our bespoke IT system by your representative. No payment is required at this stage and you are under no obligation.

Credit Cards – What could be claimed?

If a credit card contract is found to be unenforceable or flawed you may be able to:

Claim to possibly cancel the card and clear any outstanding balance on

Maybe claim back any charges previously paid

Claim for interest you have previously paid on any outstanding balances

Claim for repayments you have previously made

The credit card claim process is simple and straightforward and its goal is to obtain a financial redress or maximum compensation for every case. Every case we proceed with is first underwritten and we will not take on any Credit Card Review unless we believe there is a reasonable chance of success.

Instructions - How do you get your credit card reviewed ?

Contact us at:
t: 0845 409 3520
f: 01772 200127
e: info@help4upreston.co.uk

Our representative will meet with you at a time and place of your convenience. It is the representative's job to ensure that you understand exactly how we work and take you step by step through the paperwork. You decide which products you wish to proceed with.

Investigation

Our processing team will now contact the lender to obtain your ‘client file’, including the contract / agreement relating to the credit card. Where the lender does not comply, an offence is committed and our recommended solicitors will use the full power of the law to obtain this file.

Solicitor

With the ‘client file’ in, a further assessment of your case will be made and if the decision is still ‘yes’, a specialist solicitor will be assigned. Your solicitor will build a case, based around the unenforceability of the contract, looking to write off the outstanding balance, claim back any charges, and claim for interest and repayments. While we anticipate many cases should be settled ‘outside of court ’, should the need arise to take the lender to court, your solicitor will purchase, at their cost, a legal expenses insurance policy and obtain expert barrister's opinion where required.

Payment

For successful credit card claims, a success fee of 30% of any amount recovered and/or written off by the provider will be payable. You will receive (where applicable) a cheque for the remaining amount.