A growing number of consumers are realising that you can challenge legally unenforceable debts.A company called Credit Issues has done just that with £1.5 million of consumer debt this year alone.  They’ve proved successfully that a contract which breaches the terms and requirements of Consumer Credit Act 1974 is not enforceable

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Consumers are being urged to continue the battle against lenders collecting legally unenforceable debts and many companies are out there claiming they can clear your credit card and personal loan debt through a “loophole” in the legislation.Credit Issues is one of the more reputable, Ministry of Justice approved, firms that has successfully challenged in excess of £1.5 million of consumer debt and increasing demand for its services has resulted in the firm aiming to challenge £10 million of consumer debt in the coming year.

But isn’t increasing consumer awareness of lender

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The National Credit Act (NCA) came into effect in June 2007 and with it came the process of Debt Review or Debt Counselling.

The consumer applies for debt review at the debt counsellor or consultant. The consumer must know the debt review

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