A debt can be deemed unenforceable if a creditor cannot provide you a copy of the credit agreement and/or other documents related to the agreement or if they do provide the documents there are breaches within those documents in particular the agreement.

We keep things simple. You’ll pay a fixed legal fee to our partner in easy monthly instalments over 2 years. This is capped at 50% (including VAT) of the debts taken on. That cap won’t change, no matter how complex things get.

If there are any extra costs, like court or expert fees, they will be explained clearly and only go ahead if you agree.

As part of the legal challenge you will stop paying creditors so that the account can be placed in dispute and will be recorded on your credit file. However, in the event that the agreement is deemed unenforceable or the debt is written off we can ask the creditor to remove the debt from your credit score. Not all creditors will do this but they can mark the debt as ‘satisfied’ on your report.

However, if you have already missed payments with your creditors before using this service, your credit score will already have been impacted.

Even if a debt can be enforced, it might still have mistakes that can be challenged. These are pointed out to creditors in clear legal reports, often helping negotiate a fairer settlement or payment plan that actually works for you.

Once our legal partners write to your creditors to confirm they are representing you then they should stop contacting you. If they continue to do so then you should notify the team who can raise a complaint. Creditors do have a legal obligation to provide you certain information about your account such as ‘statements of accounts’ so you may continue to receive such documents from them

How long your case takes depends on creditors and how complex it is. Most cases finish in 12 to 18 months, but some can take longer.

All fees stay fixed, and our partner will guide you every step of the way.

Unlike an IVA, this process doesn’t lock you into a long-term repayment plan or affect your credit file in the same way. It’s a legal and not financial solution.

Having an Individual Voluntary Arrangement or Debt management doesn’t stop us from reviewing your situation. Our partners can still assess what’s possible and explore any breaches or opportunities that may apply to your case.

To get started, we just need your creditors’ names and reference numbers (if you have them).

Our partner will handle all the paperwork requests for you, getting credit agreements, assignment documents, and statements straight from your creditors. You don’t need to worry about gathering anything yourself.

Complete and submit the debt review and we’ll contact you by your chosen method.