What if your debts were unenforcable?
We use 'debt contention' to challenge creditors to prove their case. Sometimes they can. Sometimes they can’t, then we push for reductions — and where justified, complete debt write-offs.
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What is debt contention?
Debt contention means checking whether your creditors can legally enforce what you owe.The law requires proof
Lenders must keep proper agreements, terms, and notices.
If paperwork is flawed
The debt may be “unenforceable” in court.
This gives you options
from negotiating reductions to, in some cases, challenging the debt entirely.
How does it work?
Landlords and letting agents don't always follow the rules. We'll help you check if you're owed money and take action for you, No Win No Fee*.1. Free Review
Share a few basic details, then a short call with one of our team. We’ll explain what we can and can’t do, check we’re the right fit, and answer your questions.
2. Build your case
We request your creditor documents, analyse them against the law, and explain clearly whether debts are enforceable or have issues we can challenge.
3. Take action
If problems are found, we press for reductions, withdrawals, or write-offs where justified. If debts are enforceable, we’ll help you explore fair alternatives.
What debts can be challenged?
We can assess most Consumer Credit Act-regulated borrowing, including:Credit Cards
Store cards
Personal loans & overdrafts
Payday loans
Catalogue accounts
Hire purchase agreements
Frequently Asked Questions
Will filling in the form affect my credit score?
No. Completing our form or starting a review will not appear on your credit file or affect your score. We do not run credit checks.
Am I tied into anything by filling in the form?
No. The review is free, confidential, and carries no obligation. You’ll only proceed if you choose to after speaking with a solicitor.
What happens after I submit the form?
We’ll set up your file and arrange a short call with one of our solicitors. They’ll explain what we can and can’t do, answer your questions, and confirm if we’re the right fit.
Is my information safe?
Yes. Everything you share is covered by solicitor–client confidentiality. We are authorised and regulated by the Solicitors Regulation Authority (No. 621870) and follow strict data protection rules.
What makes debts “unenforceable”?
Sometimes creditors can’t provide the legal paperwork required under the Consumer Credit Act — such as the original signed agreement, prescribed terms, or proper default notices. If documents are missing or non-compliant, the debt may be legally unenforceable in court.
How is this different from debt management or IVAs?
Debt management plans and IVAs are repayment-based solutions. You still repay part or all of the debt over time. We start by testing whether the debt is legally enforceable. If paperwork is flawed, we use that to seek reductions — and in some cases, write-offs. If debts are enforceable, we’ll still help you explore fairer options.
What happens to my credit file?
It depends on the outcome. If a debt is reduced, settled, or written off, the creditor normally updates your file to reflect that. Defaults and late payments may remain for up to six years. “Unenforceable” itself is not a credit file marker. We’ll explain the likely impact in your advice letter.
How much does the service cost?
The review is free. If you go ahead, fees are agreed in advance and capped at 50% (inc VAT) of the debts we review. You can pay in instalments, and there are no hidden extras. Full details are set out in your client care letter.
What if my debts are enforceable?
We won’t leave you stranded. We can:
- Ask creditors to consider a fair settlement or repayment (paid directly by you).
- Adjust our fees if continuing isn’t affordable.
- Signpost you towards free or FCA-authorised services if that’s in your best interests.
Can creditors still chase me during the process?
Once we’ve sent a valid legal request (such as a CCA s77–79 request), creditors cannot take court enforcement action until they comply. Routine letters or statements may still arrive, but we’ll handle the creditor contact for you.
How long does the process take?
It depends on creditor response times and case complexity. Some matters progress within months; others take longer. We aim to move toward a first defined outcome within 24 months, but no timeframe is guaranteed.
What types of debts can be challenged?
We focus on Consumer Credit Act regulated borrowing, including credit cards, personal loans, store cards, payday loans, hire purchase, catalogues, and some overdrafts. Mortgages, council tax, utility bills, and HMRC debts follow different rules and are not covered.
