helpmydebt.co Open in urlscan Pro
2606:4700:3035::ac43:c120  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Help My Debt
 * About Us
 * Do You Qualify?
 * How It Works
 * Debt Types
 * FAQs

‹›



WANT TO REDUCE DEBT?


GET YOUR FREE PRIVATE DEBT ASSESSMENT

 * Write off up to 90% debt
 * Quick and easy
 * Stop creditors calling
 * Works with low credit score

Do You Qualify?



ABOUT US

We work with some of the UK's leading debt partners, and can offer you a debt
solution to help you write off your unaffordable debt. We can help manage your
debt through a variety of options. Most often it is a formal debt agreement
between you and the people you owe money to which allows you to make one low
monthly payment over five years. Most of the time it is at a massively reduced
payment then what you currently owe.

--------------------------------------------------------------------------------

Unbelievable, but my debts really got written off!

At last creditors stopped calling me - I got rid of almost all my debts.

They helped me a lot, I learned how to become debt free at last!

Unbelievable, but my debts really got written off!

At last creditors stopped calling me - I got rid of almost all my debts.

They helped me a lot, I learned how to become debt free at last!

Unbelievable, but my debts really got written off!

‹›




HOW IT WORKS

Click "Do I Qualify?" To Take Our Free, Confidential Debt Assessment Test.
Review Your Options Based On The Outcome Of Your Test
Get Free, Confidential Debt Advice And Start Reducing Your Debt
Explain me

The process which we follow for legally challenging credit agreements is
supported by the Audit Report - which is a detailed legal analysis of the credit
agreement followed by a litigation process where an agreement is found to be
unenforceable. The stages are:

1. Undertake a legal Audit of the credit agreement - Following receipt of the
original Loan Agreement paperwork from the lender, the Audit is completed
manually by a solicitor who is expert in the intricacies of the Consumer Credit
Act 1974 (CCA). The Audit Report is close to 30 pages long and examines in depth
the paperwork issued to the client at the point where the credit was granted.
Once completed the audit will conclude whether or not the credit was issued to
the client in accordance with the CCA.

It is worth remembering that when a lender issues credit to a consumer, that
lender is asked to do one thing which is to simply comply with the Consumer
Credit Act. If the lender does this, then there is no issue. On the other hand,
if the credit was issued improperly and the terms of the Consumer Credit Act
were breached in some way, the issued credit may then become unenforceable
against the borrower. Lenders know this and it is stated very early within the
loan agreements they issue to clients.

The Audit also incorporates an Unfair Relationship Test which looks at the
actual relationship the client entered into with the lender e.g. Unfair
Relationships, PPI Mis selling and Hidden Commissions. By incorporating all of
the above Ratio Money optimises a client's chances of succeeding with their
claim!!

2. Establish whether or not there is a claim - Once a client receives back their
completed report it will indicate whether or not there are any problems with
their credit agreement. If it is clear the Lender has executed the Agreement
fully in accordance with the CCA, the client can apply for a full refund of
their Audit Fee. The claims handler, Ratio Money and subsequently the introducer
make no money whatsoever on refunded cases. This is a deliberate strategy as we
think it is immoral to profit from a transaction where the client is no better
for it. This is a clear message and supports our ethos of being fair and
transparent.

3. For a claim, commence litigation against the lender - If the Audit does
conclude there were mistakes made in the issue of the Agreement, there are
grounds to challenge the lender. The client will be placed into the hands of a
solicitor and at this point will have a solicitor/client relationship. Any legal
advice from here on will be provided by this solicitor. The solicitor will take
on the claim and will do so by engaging in a "Conditional Fee Agreement." This
is known universally as a "No Win, No Fee" agreement and means that in the event
of losing the case, the solicitor is not paid. Thus, there is a powerful
commercial dilemma in the solicitor taking on a case.

Any firm wants to be paid for their services and as such, cases which are taken
are cases the solicitor believes will be won. It is very similar to a Personal
Accident Claim in that the solicitor will make a claim against the other side
(i.e. the lender) to recover costs and disbursements.

At this point the Solicitor will take out an insurance plan called After Event
Insurance. This ensures that in the event of the case being lost, the client is
indemnified against paying the legal costs as is normal for the losing party.
The solicitor will then litigate the case until an outcome is reached - which as
mentioned above is expected to conclude in favour of the client so that the debt
will be written off.


DEBT TYPES

Credit Cards
Store Cards
Payday Loans
Overdrafts
Personal Loans
Lines of Credit
Business Debt
Catalogues


WE CAN HELP WITH THESE CREDITORS & MORE...




FREQUENTLY ASKED QUESTIONS

WHAT WILL IT COST ME TO FIND OUT IF I NEED TO PAY MY CREDITORS?

The review process with one of our panel solicitors, to determine if your credit
agreements are unenforceable, is completely FREE.

You will pay ourselves a preparation fee, however if the solicitor believes you
do not qualify then we guarantee to refund our fee, in full, so you will never
lose out.

WHAT KIND OF DEBTS CAN YOU DEAL WITH?

Most consumer credit agreements, including personal loans, credit cards, store
cards, payday lenders, hire purchase, etc. We cannot deal with HMRC debt,
utilities bills, bills for services, such as TV packages and phone bills.

CAN YOU GET ME OUT OF AN IVA?

We will be unable to help assess the validity of your debt if you have entered
in to an IVA. On entering an IVA you are legally bound to repay these debts
through an IVA.

WHEN WOULD I NEED TO PAY THE SOLICITOR?

You will be advised within 4 weeks of returning your completed pack, of the
enforceability of your credit agreements and the prospects of reduction or
complete write-off of your debts. If the solicitor believes they can achieve a
successful write off or substantial reduction in your debts, In the meantime you
will be asked to complete a standing order mandate to your bank, or recurring
card payment, so that when the solicitor believes you have a successful write
off, or substantial reduction in your debts, they can start taking your monthly
payments without a break in service.

WILL MY DEBTS INCREASE WHILST YOU WORK ON MY BEHALF?

Once you have instructed the solicitor to act for you, your debts must be
frozen; your creditors can not pursue or take any payments from you and no
interest or charges can be added.

WILL I NEED TO GO TO COURT?

No, you will not need to attend any court hearings as part of the process, and
any communication from your creditors can be directed toward the Solicitor.

HOW LONG WILL THE WHOLE PROCESS TAKE?

The process will take only twelve monthly payments, but the solicitor will act
on your behalf for as long as it takes to negotiate a successful write-off or
reduction of your debts with your creditors. If this is longer than twelve
months, they will not ask for further payments.

WILL MY CREDIT RATING BE AFFECTED?

There will never be a negative impact on your credit rating for going through
this process, and in some cases, the solicitor will manage to actually improve
credit ratings. It’s important to note that all cases are different, and this
cannot be achieved for each creditor in every instance.

WHAT IF I DON’T WANT TO GO AHEAD AFTER THE FREE REVIEW?

Once your free creditor review is completed, the solicitor will contact you to
discuss their findings. If you do not wish to continue at that point, they will
close your file and inform your creditors that they are no longer acting for
you. In this instance, no further payments will be taken.

Back to top
Privacy Policy Cookie Policy

--------------------------------------------------------------------------------

© Zebbel Limited 2020. All rights reserved. Company number 07979556. Office
Address: 7 St John's Rd, Harrow, Middlesex, HA1 2EY. Licenced by the Information
Commissioners Office, (registration number ZA487724). Since this website uses
cookies, in continuing to use it you're accepting our privacy and cookie
policies.

Help My Debt (trading style of Zebbel Limited) does not give advice nor
recommendations. Following completion and submission of the online form, we will
pass your information to a panel of solicitors and their introducers who will
contact you via telephone using the information you have provided here on the
website.