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	Welcome to Credit Clear Wales
	We are specialists in challenging unfair, unenforceable credit agreements and debt management. Nearly 50 million credit agreements are signed in the UK each year - and many could be found to be unenforceable. We help people free themselves from the burden of debt, by challenging agreements which breach the Consumer Credit Act 1974.  We also help people who are not able to challenge their credit agreement, with a number of means at our disposal. Find out more. Click here for debt management.
Did you know many credit agreements in the UK are unfair and unenforceable?  Would you like to know if your credit agreement is unfair or unenforceable and what to do about it? What are Unfair/Unenforcealbe Credit Agreements? Unfair Credit Agreements are those which do not comply with the Consumer Credit Act (1974).  The act sets out the terms which Credit Agreements must adhere to, it also makes it a requirement that all Credit Agreements must be clear and transparent, this is to ensure the consumer knows and understands the agreement they are agreeing/entering into.  If any Credit Agreement, taken out before April 2007, does not meet the prescribed terms of the Consumer Credit Act (1974) it could be deemed unfair and unenforceable. What happens if my Credit Agreement is found to be Unfair/Unenforceable? If your Credit Agreement is found to be Unfair and/or Unenforceable, then the Credit Agreement will be cancelled and the debt wiped clear. What types of Credit Agreements can be found to be Unfair? Most types of Credit Agreements, in particular: Credit and store cards Unsecured personal loans Car finance Agreements What is the criteria for Credit Agreements that may be deemed Unfair/ Unenforceable? The Credit Agreement must be regulated by the Consumer Credit Act (1974) - those taken out before April 2007 will fall under this act. The Credit Agreement must have a minimum balance of £1000 and usually have more than 12 months left to run. How do I find out if my Credit Agreement(s) are Unfair or Unenforceable? The first step to finding out whether or not your Credit Agreement is unfair/unenfoceable is to contact us using the form on the right of this page or calling 02921 252 262 (10am - 6pm) to speak to one of our friendly team who will be happy to advise you further.  You can also email us your questions: contact@creditclearwales.co.uk	Why use Credit Clear Wales:
	100% Refund policy if the Auditing solicitors deem your Credit Agreement enforceable   Track your Case Online   Complete transparency with no completion costs   Friendly, no obligation advice & support
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Copyright © 2009 Credit Clear Wales Credit Clear Wales is an Appointed Representative of Credit Clear UK Credit Clear UK Ltd is regulated by the Ministry of Justice in respect of regulated claims management activities It's registration is recorded on the website www.claimsregulation.gov.uk MOJ number CRM 13650