FAQ

We hope that this page will answer some of your questions.

 If you need any more information, then please don't hesitate to contact us here for more information.

Questions...

Why should I use Re-ClaimUK?

What can be audited?

Is there a criteria I must meet?

Can an audit be carried out on a Credit Agreement when I do not have the original agreements anymore?

When can I expect to receive my Audit document outlining my Potential Claim?

What does unenforceable mean to me?

Do I still continue to make payments on my agreement once the process is started?

Will the process of auditing have an adverse effect on my credit score?

Are there any alternatives to Re-Claim UK's services?

Answers

Why should I use Re-ClaimUK?

• We have a specialist legal team who are dedicated to auditing your claim and a dedicated team of solicitor's experts in the field in winning your potential claim
• We will not take any money off you if you do not meet our Criteria.
• We look after the whole process from start to finish
• You don't have to do anything except supply the information requested and pay the fee of £350.00, which is upfront and non-refundable
• We will approach the lender for the information we require

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What can be audited?

Any credit agreement between £5000 and £25,000 that is governed by the consumer credit act of 1974 including:

• Hire Purchase
• Car loans/Finance agreements
• Consolidation loans
• Secured loans
• Unsecured loans
• Credit and Store Cards

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Is there a criteria I must meet?

YES VERY IMPORTANT.

It must be an existing /current loan /agreement with an outstanding balance in excess of £5,000 and less than £25,000 the agreement must pre-date April 2007.

Claimants in defaults are eligible to claim and in the event of a successful claim can apply for their defaults and CCJs to be removed from their credit history.
The claimant can be employed, unemployed, retired, homeowner or tenant. 

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Can an audit be carried out on a Credit Agreement when I do not have the original agreements anymore?

Yes, we will apply for an original copy from the lender. This is all in the cost of £350.00.

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When can I expect to receive my Audit document outlining my Potential Claim?

As soon as we receive the Authority form and payment we will take no longer than 60 days.

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What does unenforceable mean to me?

When an agreement is unenforceable it means that the terms of the agreement may not be enforced for example one of the terms of the agreement is to repay the sum borrowed so if the agreement is unenforceable the client would not have to repay any outstanding amount on your agreement.

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Do I still continue to make payments on my agreement once the process is started?

Yes you must NOT make any further purchases using the card.
Do not increase the balance on the card.
Keep making payments and not incur further arrears.
Do not miss any payment.

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Will the process of auditing have an adverse effect on my credit score?

No there is no impact on your credit file by Re-ClaimUK and our solicitors.

This is a common concern but to request a credit agreement is your legal right under the Consumer Credit Act.

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Are there any alternatives to Re-Claim UK's services?

There are Ombudsman schemes such as the Financial Ombudsman Service and other official means that can be used directly as a means of obtaining redress.
However we feel it is unlikely your creditor will settle without the threat of legal action and the law is very complicated in this area.
By using Re-ClaimUK you will have an audit document which will clearly have examined your agreement and it is by using this evidence a case will be collated.

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