A debt management firm called Credit Issues has had some success in challenging credit card and personal loan balances by requesting “true copies” of the original agreement has proved a powerful and effective approach.Several rulings by various District Judges have vindicated that strategy and in most cases so far, those “true copies” have not been made available.So with no documentation forthcoming, a positive outcome for Credit Issues’ clients challenging the entire balance

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Recent data indicates that personal insolvencies in Scotland rose by a dramatic 137% in stark contrast to figures published on Protected Trust Deeds (a Scottish version of an IVA) which suggest a modest 1.6% increase quarter on quarter.This of course reflects only those who have approached a licenced insolvency practitioner to set up such an arrangement.

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As the Peter Gabriel/Kate Bush song goes!Debt management company Credit Issues recent run of successes in challenging credit card and personal loan balances through the mechanism of requesting “true copies” of the original credit agreements has proved an effective approach. Recent rulings by various District Judges throughout the country have validated that strategy.In most of the successful cases to date, those “true copies” are simply not available and with no

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