Unfair credit agreements for loans and other finance deals could see you paying more every year for an agreement that does not even comply with consumer protection laws.

Ask yourself the following questions:

• Are your payments never ending and is the APR% interest always increasing?
  
• Does your credit agreement comply with consumer protection laws?
  
• Do you feel your credit card or loan company are treating you unfairly?
  
• Were the payback terms and interest rates on your agreement clearly explained to you before you signed?
  

If you don’t know the answer to some of the above – DebtFC is here to help.

Our professional legal team will audit your consumer credit agreement to check for any unfair or unenforceable aspects – and then try and help you get your debts reduced or even written off.

Lost or misplaced the original agreement?
It doesn’t even matter if you’ve lost or misplaced your original credit agreement, we can request original copies on your behalf from your lender or credit card provider.

We’ve all experienced it, pushy sales people trying to sell us payment protection insurance (PPI) when you take out a loan or apply for a credit card.
The idea is that PPI covers your debt repayments if you can’t work. It pays off the debt if you are ill, have an accident, or are made redundant. But PPI is often mis-sold, which means that many people are left paying for expensive insurance policies that they’ll never be able to claim on.

And it’s a huge problem. According to Which? Over two million PPI policies have been mis-sold.

But if you think you may have been mis-sold PPI, we can help. Our specialist PPI team has helped thousands of people check if they were misled when buying PPI – and helped them to reclaim every penny they have paid in premiums.

Have you been unfairly charged by your credit card company?
If you’ve got a credit card and, like many people, occasionally go overdrawn or miss a payment, there’s a good chance you’ve been unfairly penalised for your oversights.
But the good news is that you may be able to claim back all the unfair penalties payments you’ve made – plus interest.
Like banks, credit card companies have been adding ‘unfair’ charges to people’s accounts for years, but many people aren’t aware that these unfair charges can be claimed back too.
The Office of Fair Trading actually estimates that more than £300 million in unlawful penalty charges are charged each year across the industry. www.oft.gov.uk
If you think you've been unfairly charged by your credit card company within the last six years for simple oversights on your account, we can help you try and reclaim your credit card charges and get your money back.

Debt consolidation is the process in which debt is restructured into one low affordable amount which you agree to pay. At DebtFC we offer a range of debt consolidation options Scottish protected trust deed, individual voluntary arrangement (I.V.A), remortgage, debt management plan, homeowner loan, sell and rent back or perhaps bankruptcy (sequestration in Scotland) our experienced debt consolidation team, will discuss your options and provide you with free debt help and debt advice on how to deal with your debt problems. We are based in Livingston, West Lothian, Scotland but help people throughout the UK.

If you recognise any of the following symptoms... then you need our debt help!

Credit card debts, missed loan repayments, creditors phoning, debt collectors, bailiffs, County Court judgements, bankruptcy, insolvency, mortgage arrears, repossession, robbing Peter to pay Paul, not opening the mail, afraid to open the door.
Our debt consolidation team will show you the options that you have available to get out of debt with one reduced, affordable monthly payment. For a NO OBLIGATION, FREE CONSULTATION, call or send the contact form for some friendly, free advice.