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Consumer Credit Dispute

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Consumer Credit Dispute

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Had a great experience with Lawhive
Had a great experience with Lawhive, not only did I get a great price compared to everywhere else I looked, but my assigned solicitor was amazing and super helpful every step of the way. I even got my wanted outcome with my custody case in the end.
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We had a very good experience with…
We had a very good experience with lawhive our solicitor was kind attentive and quick. She gave us all the relevant information and advice and sorted out our matter in a clear and straightforward manner. We are very grateful and pleased that we chose your services and would highly recommend.
Jo,
02 August, 24
The service offered by Lawhive is outstanding
The service offered by Lawhive is outstanding. The process to find the most suitable solicitor is straightforward and efficient. The pricing is transparent and clear and the solicitors that have been provided to me have been outstanding. I would strongly recommend this company to anyone looking for a solicitor.
Jane,
09 July, 24
Courteous, fast and competent service
I would definitely recommend Lawhive also for the way the service is structured with a quick initial call and then their online private chat, which saves unnecessary costs, time and provides the kind of flexibility to follow the case when it’s more convenient to you.
Fabrizio,
12 July, 24
Great service and job well done
Great service, excellent communication, very accommodating with timing and date requests. All done efficiently. Highly recommended.
Basira,
23 July, 24
Very happy indeed
A great service and in my experience, knowledgeable, helpful and experienced solicitors who's help I found to be invaluable. Thank you Lawhive, great job.
Paul,
26 July, 24
Had a great experience with Lawhive
Had a great experience with Lawhive, not only did I get a great price compared to everywhere else I looked, but my assigned solicitor was amazing and super helpful every step of the way. I even got my wanted outcome with my custody case in the end.
Danny,
27 July, 24
Exceptional Support
I recently used Lawhive to assist with my British citizenship application, and the experience was fantastic. My lawyer was incredibly helpful and kind throughout the entire process.
Angels,
29 July, 24
We had a very good experience with…
We had a very good experience with lawhive our solicitor was kind attentive and quick. She gave us all the relevant information and advice and sorted out our matter in a clear and straightforward manner. We are very grateful and pleased that we chose your services and would highly recommend.
Jo,
02 August, 24
Rated 4.8 / 5. Showing our 4 & 5 star reviews.

About

A consumer credit dispute is a disagreement between a consumer and a credit provider. The consumer may be a debtor or a co-signer. The credit provider may be a creditor or a co-signer. Solicitors can help resolve these disputes.Next steps

How much does a Consumer Credit Dispute cost?

The cost for a licensed solicitor to help with a Consumer Credit Dispute is dependent on many factors including the complexity and specific requirements of the case. On average it is expected to range from £100-£150 but in some cases it could cost as much as £300.

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Consumer Credit Dispute Solicitors

Consumer credit relates to borrowing money to buy goods or services. There are different types of consumer credit, like credit cards, personal loans, and store credit accounts.

Under the Consumer Credit Act 1974, businesses offering loans or goods on credit have to follow specific standards including:

  • Giving consumers clear pre-contract information before they commit to any credit agreement.

  • Putting specific elements in Consumer Credit Agreements.

  • Explaining how Annual Percentage Rates (APRs) should be calculated.

  • Giving clear instructions on handling defaults, terminations, and early repayments.

  • Providing credit card protection for purchases ranging from £100 to £30,000.

  • Assessing a consumer's creditworthiness before granting a credit agreement or increasing the borrowing amount significantly.

Sometimes, businesses don't follow these rules properly, when this happens, consumers can start a consumer credit dispute claim.

At Lawhive, our network of specialist litigation solicitors is on hand to help you resolve a credit dispute if you find yourself in the middle of one.

Contact our Legal Assessment Team for a free case evaluation and fixed-fee quote.

What is the Consumer Credit Act 1974?

The Consumer Credit Act 1975 is a UK law that oversees agreements between consumers and lenders. Its main aim is to protect individuals and partnerships of up to three people who take out credit agreements.

What is a consumer credit agreement?

A consumer credit agreement is a formal agreement between an individual (the debtor), and another person (the creditor). In this agreement, the creditor provides the debtor with credit, which could be any amount of money.

What credit agreements are covered by the Consumer Credit Act 1974?

The Consumer Credit Act 1974 covers various agreements, including personal loans, credit cards, store cards, hire purchase agreements, and secured loans not secured on a person's main residence.

What are my rights under the Consumer Credit Act?

Under the Consumer Credit Act you have a right to:

  • Receive a default notice informing you of the arrears if you fall behind on payments.

  • Be allowed to bring your account up to date before creditors take further action against you.

  • Get regular statements for all of your accounts.

  • Receive an arrears letter if you fall behind on payments.

  • Escalate complaints to the Financial Ombudsman Service if you're not satisfied with the resolution provided by the creditor.

What is a consumer credit dispute?

A consumer credit dispute happens when the terms outlined in a credit agreement aren't followed as per the Consumer Credit Act.

Under the Act, creditors must give you all the details of a loan or credit agreement, including the repayment amount, in writing before you sign it. They must also follow specific procedures if you default or miss repayments.

If a lender doesn't follow the correct procedures, or you were not fully informed about the terms of the agreement, you may be able to claim compensation.

To find out if you have a case, contact our Legal Assessment Team for a free case evaluation.

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Traditional Law Firms

Pay by the hour

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Frustrating

It can be take days or weeks to hear updates from your solicitor.

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Offline and slow procedures will require you to visit firms in-person.

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Common types of consumer credit disputes

The most common reasons individuals file a consumer credit dispute claim include:

  • Errors found on credit reports

  • Unauthorised charges

  • Fraud

  • Disputes about billing statements

  • Dissatisfaction with products or services receives

  • Breaches of consumer protection regulations

Can I claim if I'm in arrears?

Consumers can claim under the Consumer Credit Act if the regulations are not followed, even in cases of payment arrears.

How to start a consumer credit dispute

If you want to start a consumer credit dispute, you should first speak to a consumer credit dispute solicitor who can advise you on the strength of your claim and how much compensation you may be able to claim.

Possible courses of action to start a consumer credit dispute involve complaining to the relevant financial institution, escalating the matter to the Financial Ombudsman, or starting the dispute resolution process.

How can we help with your consumer credit dispute?

At Lawhive, our expert network of litigation solicitors has in-depth, extensive experience in handling consumer credit disputes.

In the first instance, they can help you understand the strength of your position in a consumer credit dispute and provide personalised advice on possible next steps. They can also negotiate with lenders to reach a settlement or represent you in legal proceedings.

We understand that money worries and problems can be scary, but if you have a consumer credit dispute claim, a specialist solicitor can work towards a resolution that protects your rights and compensates you fairly for any harm or hardship calls.

To find out more about how Lawhive can help, contact our Legal Assessment Team for a free case evaluation and no-obligation fixed-fee quote.

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