Every story on this page is a testament to our commitment to making a positive impact in the lives of our clients. From reducing debt burdens to offering personalised financial advice, we are dedicated to guiding our clients through every step of their debt relief journey.
Hannah came to us and our legal partners Prowse Phillips Law burdened with £36,470 in debt and stuck in a 44-year Debt Management Plan.
In February 2024, our legal partners took action. After identifying major breaches in her agreements with Novuna Personal Finance (owned by Lowell Financial), Prowse Phillips challenged the debts—resulting in Lowell Financial agreeing not to pursue the outstanding balance.
So far, they’ve successfully written off £16,942.24, with the remaining debts either unenforceable or under dispute.
Another step toward financial freedom! 💪
The client signed up with our legal partners on the 15th of May with various debts. The biggest Debt being to Cabot for £5,555.20.
Our legal partners submitted a legal request to Cabot. On the 12th of July Cabot admitted they could not comply and confirmed the debt was unenforceable, meaning they couldn’t legally come after the client to pursue the debt…it’s the client’s choice to pay back debt.
This result would never happen if the client entered an IVA or a Debt Management Plan as they never investigate the legality of the debts, rather just negotiate a long-term repayment plan.
The client came to our legal partner in November 2023 with a number of debts, two of which were:
£13,429 Barclaycard – passed to PRA Group
£7,497 Barclaycard – passed to PRA Group
Our legal partners made a legal request for all the relevant documentation. PRA Group could not comply so on the 1st of February PRA confirmed this, meaning that the two Barclays card debts were unenforceable.
Client joined us in October 2023.
• Clients’ debt level was £5,717 and he was struggling to make the payments to creditors.
• Had 14 debts all together.
• 7 of his debts are at the write off stage- BIP Credit balance 3920.82, Capital one £239.04, Very £600, Fernovo £293, Zilch £700, Klarna £167, Vanquis £346.97.
• 2 of the debts are unenforceable as found breaches in the agreements in the middle of getting these debts written off.
“Exceptional service for everything. Responsive and polite. Couldn’t ask for more.”
• The client came to us with £19,795.98 worth of debt in September 2023.
• We got our client’s debt with GR Finance Ltd written off in January 2024. The balance was £501.
• Furthermore, our client has a debt with Argos that is legally owned by Link Financial. They were unable to provide the relevant documentation that we requested under the Consumer Credit Act 1974. Therefore, the account is unenforceable and Link Financial are unable to take enforcement action against our client to recover the balance of £1,120.74.
• Work is still ongoing with our client’s other agreements.
“So far there have been very good for keeping me updated on every thing the do there trying the very best to resolve the matter”
Client came to us in May this year with a Novuna Personal Finance debt of £6,676.52 that had been purchased by Lowell.
Our Legal Partners sent them a legal request for information on the 29th May.
When the agreements came back, a letter of claim was sent showing breaches in the agreement on the 23rd July.
They come back on 27th August to say they had written the debt off and closed the account on 14th August.
£6,676.52 written off in around 4 months!!
• The client came to us with £3,922.36 worth of debt in November 2023.
• We got our client’s Vanquis debt, that was legally owned by Lowell Financial written off in February 2024. The balance was £1145.24.
• Our client had a debt with GE Capital Card, that was legally owned by Lowell Financial. This was subject to a County Court Judgement that was obtained and registered on 31st May 2002. There were no payments made by our client and nothing was done by Lowell Financial to further enforce the debt. As such, the County Court Judgment expired on 31st May 2008. We requested that this account be written off due to the reasons above, Lowell Financial agreed to write the debt off as a “commercial decision” in May 2024. The balance was £983.55.
• We analysed our client’s JD Williams agreement, that is legally owned by Lowell Financial. We provided a Letter of Claim to Lowell Financial detailing breaches we found within the agreement. As such the account is in dispute and remains potentially unenforceable. The balance of this debt is £1141.30.
“I received excellent service, Everything was delivered with quickly. I found their services very helpful. Everything was delt with professionals and prompt. I’d gladly recommend Prowse Phillips to anybody.”
The client came to us with £41,975.55 worth of debt in August 2023.
• We successfully got our client’s Klarna debt written off in February 2024. The balance was £1,413.57.
• Our client has a Lloyds Bank plc Overdraft that is legally owned by PRA Group (UK) Limited. It is currently classified as unenforceable, which means that PRA Group (UK) Limited are not able to take legal action to recover the balance of £937.03.
• Additionally, our client has a MBNA debt that is legally owned by PRA Group (UK) Limited. MBNA were unable to provide the varied terms and conditions so could not satisfy their obligations under the Consumer Credit Act 1974. As such, the account is unenforceable and PRA Group (UK) Limited are unable to take enforcement action against our client to recover the balance of £938.40.
• Work is still ongoing with our client’s other agreements.
“I have very good experience that company. My debt sort out promptly. Recommended 💯 fair and sincere people and well mannered”
The client came to us in February this year.
He has £17,000 debt level.
One with Aqua, which was £4800.
We sent an S.78 request to Aqua. They acknowledged and sent us the documents and agreements.
We formed a letter of claim outlining the breaches and asked for the debt to be written off.
We got a letter back to this from them. They agreed that the agreement was unenforceable, and the credit allowance had been given without the correct affordability checks being done. They agreed to write off the whole debt including the interest that had been occurred. This ended up equalling £5000.
They also awarded the client £1300 In compensation for the wrong affordability checks been taken place.
The client has now received this payment from Aqua and has come debt-free with Aqua debt.
Aveley, came to us with a £62,523.54 total debt balance.
So far, we have written off £26,402.37 with a further £29,614.80 pending write off.
Most of the debts were with debt collectors. Mainly Cabot Financial, Capquest and Lowell.
After signing up as a client, we contacted all the creditors and had the following debts written off:
1st Month of the plan – £3,035.39 debt with NCO Europe, originally with Capquest was confirmed to be unenforceable as they could not comply with the request made.
3rd Month – we got confirmation from Capquest that the £3,305.39 debt was unenforceable.
4th Month – Cabot debt collectors purchased a debt from Marbles credit card. They confirmed the debt of £3,355.58 was unenforceable.
8th Month of the plan – Barclays were unable to comply. Confirmed debt of £6,959.20 was unenforceable.
8th Month – Cabot again, purchased the debt from Aqua credit card. They were unable to comply with our request and confirmed debt of £2,466.84 was unenforceable.
9th Month – ACI debt collectors gave us confirmation the £5,512.79 debt was unenforceable.
9th Month – Another Cabot Debt, which was originally with Shawbrook personal loans, was confirmed the £4,802.57 was unenforceable.
Novuna, Lowell, HSBC, Cabot have all got letter of claims showing the breaches in their agreements. The overall balance of these is £28,787.93. We have asked for these debts to be written off or for a reduced settlement figure.
Capital One has a pending write off request as they couldn’t provide us with the requested documents. This balance is £826.87.
The client originally took out a personal loan with Yorkshire Bank which he failed to keep up repayments and in 2019 the debt was sold to Cabot.
He approached us for help and our legal partners set up a file in August this year. They legally requested relevant information, and it was apparent the debt was unenforceable. The client had been making payments up until February’24 which was the only reason the debt was enforceable.
The client had been making payments for 5 years when he legally did not have to. The client now does not have to repay the remaining balance of £4,012.