Unfair Credit Agreements

Are your credit agreements not worth the paper they are written on?

Unfair credit agreements for loans and other finance deals could see you paying more every year for an agreement that does not even comply with consumer protection laws.

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Payment Protection Insurance (PPI)

We’ve all experienced it, pushy sales people trying to sell us payment protection insurance (PPI) when you take out a loan or apply for a credit card.

The idea is that PPI covers your debt repayments if you can’t work. It pays off the debt if you are ill, have an accident, or are made redundant. But PPI is often mis-sold, which means that many people are left paying for expensive insurance policies that they’ll never be able to claim on.

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Reclaim unfair bank charges

Bank charges are one of the biggest consumer scandals in recent years. It is estimated that banks have made up to £5 billion per year from charging their customers for simple oversights like going overdrawn, or having a cheque returned.

Typical charges range from £20 to £39, sums vastly in excess of the actual cost to the banks of dealing with the oversight.

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Unfair credit card charges

Have you been unfairly charged by your credit card company?

If you’ve got a credit card and, like many people, occasionally go overdrawn or miss a payment, there’s a good chance you’ve been unfairly penalised for your oversights.

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Mortgage review

Been hit with unfair early redemption penalties on your mortgage? Concerned about secret commissions? Think you have overpaid?

You could get Debt Refund to ensure the mortgage you signed up for complies with consumer protection laws. And if it doesn’t, you could be eligible for thousands of pounds in compensation.

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Stop a repossession

If you’re in danger of losing the roof over your head, it can be a very worrying time.

But Debt Refund is on hand to guide you through this troublesome period and keep you where you belong - in your own house.