UCA Background

Credit Agreements are the contracts that you & your lender sign whenever you start a credit card, store card, loan, or hire purchase (HP) agreement. We can check any Credit Agreements for unenforceability provided they have a minimum balance of £2500.00 and at least 12 months left to run. These include credit cards, store cards and any type of loan of hire purchase.

There is an upfront fee of £95.00. This fee covers the administrative costs and legal costs incurred to determine if your Credit Agreement is unenforceable. Only once your Credit Agreement is found to be unenforceable is a further fee (currently £255.00) payable to allocate your case to our solicitor. There are NO further costs incurred. Unlike many other companies who challenge Unfair Credit Agreements, we do not charge you any ‘success’ or ‘completion fees', so this is usually the only cost you have to incur.

Yes, you can pay with your debit or credit card. However, if you are paying with the card on which you are making a claim you must stop using the card after that transaction.

The upfront cost pays for your audit report from our expert solicitors and for arranging your case to be litigated on a ‘No Win, No Fee’ agreement. The audit report is a detailed and thorough report which will form the basis of your legal challenge. This looks in detail at all aspects of both the Consumer Credit Act and Unfair Relationship legislation to ensure you have the best possible chance of success.

No. Credit Clear UK DO NOT charge you any further costs on successful or unsuccessful resolution of your Unfair Credit Agreement claim. If your case is not litigated after being deemed enforceable at audit stage then you will receive 100% of your audit fee back. As part of your ‘No Win, No Fee’ agreement with your allocated solicitor, your legal costs will be recovered from the losing party. So win or lose there are no additional costs to pay.

Once we have received your documents from the lender, the audit report will take approximately 72 hours to complete. The lender is given a maximum of approximately 12 working days to return your Credit Agreement under current legislation. Providing original copies of your audit report, or the lender responding quickly to our request for the documents will mean you will be informed whether or not your Credit Agreement is Unenforceable much quicker. If the Lender fails to provide an agreement within 12 working days your case will be allocated to a solicitor who will start litigation against the lender for failing to provide your agreement for audit.

The entire process from application to successful resolution of an Unfair Credit Agreement claim should take approximately 3 to 9 months. However, litigation is complicated and these timeframes are only a guideline.

No, each claim is covered by AT (After the Event) Insurance, which is taken out by the solicitors. This policy will pay out in the unlikely event of losing the litigation. This ensures that you have complete peace of mind that you will have no fees to pay in the event of losing the case.

A minority of Credit Agreements that are audited are found to conform to the Terms of the Consumer Credit Act and therefore cannot go ahead onto litigation. In this scenario you will still receive your audit report. However, as the claim is not progressing you will receive 100% of your audit fee back automatically.

Yes our Refund Policy is guaranteed and is contained in our Terms and Conditions which you will sign.

No the process will not affect your Credit Rating. As part of the legal judgement, when a Credit Agreement is declared unenforceable, the solicitors will endeavour to get the Credit Agreement taken off your credit file.

Yes, as the process does not affect your credit rating this should not affect you getting credit in the future. However, it is possible that the lender who wrote your credit agreement off will not want to offer you a new loan.

No. If you have them it may speed up the initial audit stage of the claim but under the terms of the Consumer Credit Act your lender must provide us with signed copies of your original Credit Agreements following an official legislative request that we conduct.

We use the UK's leading solicitors who have been set up to deal exclusively with Unfair Credit Agreement and Mis-Sold PPI claims. For the latest information on our solicitors please contact us at the office on 0800 038 22 33 where we will be happy to help.

Credit Clear UK was established in May 2008 and since then has expanded rapidly to become a leading introducer of Financial Claims. We work with dedicated legal professionals and we are confident that we offer the best advice for all of our clients. If you need any further assistance do not hesitate to contact the office on 0800 038 2233 or send a contact request to info@creditclearuk.co.uk and one of our dedicated members of staff will contact you as soon as they can.

In addition to managing claims for Unfair Credit Agreements, Credit Clear UK can also arrange financial claims for Mis-Sold Payment Protection Insurance, re-claiming unfair bank charges and re-claiming unfair credit card charges. These claims are available at no upfront cost. If you would like further information please call the office on 0800 038 22 33 and our staff will arrange the simple application with you.

Even if your are in a debt management plan, you can still get your Credit Agreements audited and deemed Unenforceable. This will reduce your overall debt liability in the plan and allow you to pay off your debts quicker. If you are struggling to meet repayments with your levels of debt and would like information about going into a debt management plan then please call the office and we can offer no obligation advice and support.

Due to the nature of IVA’s there would be no benefit to having any of the credit agreements contained within it audited and deemed unenforceable as your monthly repayments to the IVA will remain the same. However, if you are struggling to meet repayments with your levels of debt and would like information about going into an IVA then please call the office and we can offer no obligation advice and support.

No. Our solicitors act completely on your behalf and you should not have to go to court.

Submitting applications to Credit Clear UK is simple. All you need to do is to phone the office on 0800 023 22 33 or request a call back from the office. One of our staff will guide you through the process and answer any queries you may have. The completed claim forms will be sent out to you in the post, you simply sign and return in the enclosed freepost envelope.

We always endeavour to send your claim documents the same day that you call to make a claim so you should receive them the next working day subject to postage.

Yes you can. However, you will need to send in the cheque prior to receiving your completed claim documents.

Yes once you have registered online you will have your own personal account. Here you can login to track the status of your claim up to audit stage.

Yes, continue making your normal monthly repayments. This will ensure your credit rating is not affected in an adverse way. Only stop making payments after professional legal advice from your allocated solicitor.

No, Credit Clear UK will not pass your information onto any third parties.

If your creditors contact you regarding any aspect of your claim you can give them the contact details of the claims management company who you have authorised to handle your claim. The Administration of Justice Act s.40 makes it a criminal offence for a creditor or a creditors agent to make demands for money which are aimed at causing “alarm, distress or humiliation, because of their frequency or publicity or manner.” If you think your Creditor has breached these guidelines please let us know.