Did you know?

If you have debts in the form of credit cards, loans and catalogues that were started before April 2007 there may be a way you can cancel them - legally, and have defaults and ccj's removed from your credit history?

Many foolish lenders made people sign an application form for credit at the time of application, but many never forced borrowers to sign a legally binding credit agreement that could be enforced. Sounds stupid doesn't it, but its true. Aspects of the consumer credit act can be used to get lending institutions to buy back debt from debt collectors and remove all trace that the bad debt ever existed, including removing defaults from your experian and equifax credit files.

If you would like to remove ccj's and remove defaults study the law and study the consumer credit act and you will find many opportunities to cancel debt. Always use credit expert in the UK to monitor your credit files.

There are call centres full of operators continually ringing people, harassing them illegally, telling them lies, trying to get the to pay money that they just don't have all to collect on credit agreements that are totally un enforceable.