10 Ways to Get and Keep Debt Out of Your Life! What is the Eleventh way?

Keep Debt Out of Your Life

1. Pay off your highest interest debt first. If you have a car loan that has a higher total of money owed to it that your credit cards, throw more of your monthly income at that first. Chances are it is a multi-year loan with a higher interest rate than your credit cards. And if you can pay that off sooner than is scheduled by paying more money towards the principal, you have a good chance of saving a lot of money that would have otherwise gone to paying interest on that loan.
2. Keep your credit card debt at a consistent level. This will require you to use your credit card less than you may be accustomed to, but it is a sound way to handle not building up more debt while eliminating debt in another area of your finances.
3. Use cash instead of credit cards. Budget in a certain amount of cash to be spent per week, and try not take withdraw more cash than that per week. By breaking it down into a weekly budget and only allowing yourself a minimal amount, you’re more likely to stick to your cash budget and not overspend.
4. Cut back on the vices. Whether its cigarettes or coffee, cut down and see how much you’ll save.
5. Put aside your spare change. You’d be surprised at the end of the year at how much that spare change will add up to.
6. Eliminate some of the expenses you already have. It might be a luxury that you enjoy but if you can do without it that money can be reallocated towards something more beneficial.
7. Don’t buy something unless you need it. It’s amazing how much money we spend on frivolous materials that are either hardly used or that we don’t even use at all.
8. Watch your energy bills. Using less electricity and gas can add up to a large amount of money saved over the course of the year.
9. Set up a weekly budget, a monthly budget and an annual budget. Be certain to check it often and see if you are staying on course. This is a way to hold yourself accountable and is likely to help you stick to your financial plan.
10. Be smart, control your impulses and make wise financial choices. They will pay off.

That is ten but what about number eleven? Read on.

If you have credit agreements taken out before April 2007 there is a new unenforceable credit agreement claim which is becoming more and more known about here in the UK. It is possible to have your credit finance agreements –agreements such as credit cards, store cards, secured and unsecured loans, car finance agreements, and those with payment protection insurance ( PPI) ‘audited’. They may not comply with the terms of the 1974 Consumer Credit Act and if they do not they are unenforceable credit agreements. This means you can claim to have them written off. That is the balance completely cleared. For NO FEES a solicitor with handle your claim. This is on a no-win-no-fee basis so it is risk free.

How You Can Write Off Your Credit Card and Loan Debts

Write Off Your Credit Card and Loan Debts

Are you being crushed by the credit crunch? Having difficulty with your finances. I know how it feels! I have been there. Sleepless nights and that churning feeling inside. But don’t panic. Financial help is now at hand in the form of a NEW financial claim which is set to explode in the UK! You can write off your credit card and loan debt.

It is not a scam as some people may think. The banks been expecting this for many years which is why some lenders have set aside a large amount of funds to pay for all of this. Don’t worry about the banks though. As we have all seen in the media lately the banks are not short of funds because they make 9 Billion pounds a year in interest from credit card holder. But they cannot it appears, adhere to the law in the manner in which they draw up the finance agreements we sign. The law which was designed to protect us the consumer.

So how is it possible to write off the balances on your credit cards and loans you may be asking?

It is now thought that many credit finance agreements such as those for credit cards, store cards and cars are legally flawed and so invalid and unenforceable! Some lenders have been taken to court and been forced to write off the debts and in some cases been made to pay compensation. These debts can be legally written off by carefully examining or auditing the credit agreements to establish if it complies with the Consumer Credit Act of 1974 . If it doesn’t then you will be able to make a claim through your solicitor to write off the debt. It is not a debt management programme, IVA or bankruptcy. These programmes can be costly and the consequences can stay with your for years to come.

So what is the process?

It is simple and easy and will cost you NOTHING! It is totally free. Firstly, with your signed permission your solicitor will request your credit agreement from your lender. Secondly, the agreement will be carefully audited for breeches in the terms and conditions of the consumer credit act. Thirdly, if breeches are found which is usualy the case, the solicitor writes to your lenders and states your claim to write off the credit card debt on your behalf. All this is carried out on a no win no fee basis and you don’t have to pay ANY back end fees and you keep all your compensation if awarded. . If you have taken out any finance agreements prior to April 2007

How You Can Clear your Debts Easily and Legally.

Clear your Debts

Do you need to do something about your credit card and loan debt ? Are your monthly payments out of control? Can’t see a way out of the spiral of debt? If you are worried – why not have your credit card and other finance agreements audited to see if they are in fact invalid and therefore unfair and unenforceable agreements. Don’t even think about bankruptcy until you have considered this option.

What does this mean? Is this a scam you are probably thinking. Over the last five years there has been an increasing number of court cases where ordinary people have taken their lenders to court and had their credit card and loan balances written off due to them being deemed unenforceable agreements and in some cases been awarded compensation too. The most famous being Mr and Mrs Rankine who appeared on the BBC Panorama Programme recently.

It isn’t debt management, an IVA or bankruptcy. It is a new and rapidly expanding industry which examines your credit agreements taken out before April 1974 to see if they comply with the terms and conditions of the 1974 Consumer Credit Act. The act was put in place to protect the consumer but the banks and lenders ignored this. This Act states what MUST be contained in your agreement and if it does not- it is unfair and unenforceable. And you can therefore claim to wipe out the balance of your credit cards and loans.

It is a straightforward, easy process. You legal representative will, with your written permission, ask your lenders for copies of the credit agreement you may have signed. This will then be audited and if any non-compliance or breeches are found it will be an unenforceable contract. And you can then claim to have it written off. Your solicitor will handle the whole thing for you on a no win no fee basis., for an audit fee of £295. There is no risk as this is refundable if your credit agreements are found to have no grounds for a claim. And you keep the entire claim amount with no back end fees.

Did you know that many finance agreements taken out before April 2007 are unenforceable! Its true. Most of them DO NOT comply with the terms and conditions of the 1974 Consumer Credit Act. And this makes them invalid and unenforceable. Now you can find out if your credit agreements are unenforceable by having them audited by a solicitor. This could give you freedom from debt and peace of mind.

Unfair Finance Agreements. Can you have them written off?

Unfair Finance Agreements

Do you have credit card and loan debt? Is it causing you problems? You have probably heard about the way some people are challenging the validity of their credit finance agreements; taking their lenders to court and having their unfair agreements loans and credit cards written off. You may be thinking it is a scam! But it is most definitely not.

There is a NEW financial claim which is set to sweep across the UK! It has been discovered that many finance and credit agreements signed before April 2007 have been written in such a way that they breach the terms of the 1974 Consumer Credit Act and this makes them unfair and unenforceable agreements. Although it is a new type of claims industry there are more and more successes every day. It is possible to have any agreement you have ‘audited’ by a solicitor to check the contract to see if it complies with the 1974 Act or whether it is, in fact an unfair agreement. If is does not you can apply to your lender to have the whole balance cleared I have done it and I know it works! So how is it possible?

Do you have any credit cards, store cards, car finance, hire purchase, personal loans, a mortgage and any type of payment protection insurance, (PPI) taken out before April 2007? Under the terms and conditions of the Consumer Credit Act of 1974 in order for the agreements to be valid they must contain certain pieces of information to do with interest rates for example and any calculations of APRs must be accurate. If this is not the case they do not comply with the act, the agreement is in breach of the act and is therefore unfair and unenforceable. It is thought that the majority of agreements taken out before April 2007 will be found to be unenforceable. Why not have your agreements looked at. The process is straightforward. A legal expert will, with your written permission request a copy of your credit agreement from your lender and then audit it carefully to check if it complies. If not and it is deemed an unfair agreement, they will write to your lender and state your claim to wipe out the balance. Very few lenders choose to go to court and your solicitor will handle everything for you saving you the stress of having to deal with the lender yourself. You will receive all the balance and any compensation with NO back end fees to pay.

It is not debt management, IVA or Bankruptcy but a perfectly legal process whereby you are able to challenge the validity of the agreement you made with your lenders. It is a straightforward process taking about nine months. Then you could be debt free and able to get on with your life without the worry of debt.

Clear Your Credit Card and Loan Debts- Legally!

Clear Your Credit Card and Loan Debts

Are you worried about being able to pay your monthly credit card, store card and loan bills? Losing sleep worrying about how you will ever be able to clear your credit card balances?

Imagine if you could clear your credit card debts. Imagine being debt free? Imagine never having to make another credit card or loan repayment? Well you don’t have to imaging any more! Financial help is now at hand in the form of a NEW financial claim which is set to sweep across the UK! You can legally clear your credit card and loan debt.

It is not a scam as some people may think. The banks have seen it coming for many years which is why some lenders have set aside a large amount of funds to pay for all of this. Don’t worry about the banks though. As we have all seen in the media lately the banks are not short of funds. They can afford to pay their Directors well for the services they have provided. But they cannot it appears adhere to the law in the manner in which they draw up the finance agreements we sign. The law which was designed to protect us the consumer.

Did you know that many of finance agreements taken out before April 2007 are unenforceable! Its true. Most of them DO NOT comply with the terms and conditions of the 1974 Consumer Credit Act. And this makes them invalid and unenforceable and you can apply to the court to clear them. Now you can find out if your credit agreements are unenforceable by having them audited by a solicitor. If any breaches are found your solicitor will deal with your claim on a no win no fee basis and you will be able to clear your credit card and loan balances.

It is not debt management, IVA or Bankruptcy but a perfectly legal process whereby you are able to challenge the validity of the agreement you made with your lenders. It is a straightforward process carried out on a no win no fee basis. How is this possible you may be asking? There have been many successes to date. The most famous being that of Mr and Mrs Rankine who appeared on the BBC Panorama programme recently. Your solicitor asks your lender for a copy of your credit agreement. Then it is audited to see it complies with the 1974 Consumer Credit Act. If breaches are found your credit agreement may be unenforceable and you can apply to clear the balance. Your solicitor writes to your lender on your behalf saving you time and stress of having to do this yourself. The process takes about nine months to one year depending on how quickly your lenders reply to the requests for your account document made by your solicitor. There are thousands of people who are having problems with debt and a company who can help you to write off your debts is surely a great thing.

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