-
Unit 15, Connect Business Village,
24 Derby Road, Liverpool, L5 9PR - enquiries@debt-rescue.co.uk
- 0151 245 9778
Explore some of the best success stories from Debt Rescue clients.
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 debt advice, we are dedicated to guiding our clients through every step of their debt relief journey.
The client, O’Neill, came to us with several debts. He signed up as a client on the 4th of June 2024.
After legal requests were sent by our legal partners to the creditors (Link Financial). 42 days later, we had a response from them that they couldn’t comply and the debts were unenforceable.
The original creditor was Lloyds Bank Credit Card, which was then sold to Link Financial.
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.
• 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.
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.
• 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.
Another life-changing outcome delivered. – Section 78 request sent to the creditor to provide documents.
The creditor could not provide the documents, our legal partners therefore challenged the debt.
Creditor agreed to completely write off the £46,902.14 balance.
Request for information was sent to the creditor. They provided the documents in the required timeframe and they were reviewed by the team.
Major breaches were identified including:
– Miscalculated Interest Rate
– Miscalculated Amount Payable
– Miscalculated APR
– Misquoted Credit Limit
After sending a letter of claim to the defendant, the creditor confirmed the account would be written off. Once the write off is confirmed, a credit file amendment will be sent to the creditor and the credit file updated within 60 days.
Legal request for documentation sent to the creditor which they could not provide. Write off request sent to the creditor
Debt is confirmed unenforceable as the creditor is unable to enforce the debt in a Court of Law and the client is not legally liable to pay the debt back.
Request for documents sent and documents received. Upon review of the documents, breaches found
Letter of claim sent to the creditor highlighting the breaches, Lowell agree to write the debt off. Credit file amendment agreed.
The clients account was sold to Lowell, a third-party collection agency. Legal request for documentation was complied with. However, when reviewed, breaches in the agreement were found:
Letter of Claim was sent to Lowell highlighting the breaches and they were unable to provide a response to the letter.
They agreed to write off the full amount and credit file amendment to reflect the write off
