The Consumer Credit Act 1974 is a piece of legislation that provides consumers with a wide variety of rights against lenders – and it has been ignored for much of the past 36 years.

If lenders fail to follow the strict requirements of the Consumer Credit Act, an agreement between a lender and a consumer may be unenforceable.

This can see debts being written off, credit files expunged and legal costs met by the lenders – a happy outcome at a time of economic difficulties.

Griffin Law, working closely with the country’s leading Consumer Credit Act barristers in London, acts for consumers who wish to exercise their rights and who want to challenge the enforceability of

  • Personal loans;
  • Credit cards;
  • Student loans;
  • Hire purchase agreements; and
  • Payment protection insurance policies.

Better still, if the unreasonable conduct of a lender results in an “unfair relationship” arising, lenders can sometimes be ordered to repay money to consumers. For that reason lenders are keen to settle claims rather than face the uncertainty of the courts.

Griffin Law, as acknowledged experts in this field, are pleased to consider acting for consumers under a discounted hourly rate conditional fee agreement or a pure conditional fee agreement – commonly known as a “no win, no fee agreement”. As the name suggests, this means that if our clients are not successful, we don’t get paid. If we win, the lender pays our fees.

As a leading firm of Consumer Credit Act lawyers, Griffin Law has also negotiated a highly favourable arrangement with a leading firm of insurers, so as to protect our clients from the risk of being ordered to pay the lenders’ costs if a case is unsuccessful. This after-the-event insurance policy is a unique product available only to Griffin Law clients.

We are pleased to offer a no obligation fixed fee interview for £150.00 plus VAT (£180.00), lasting up to 30 minutes, in order to listen to your problems, analyse your case and give you some initial advice.

At this interview you will be advised of our fees and fee options encompassing discounted hourly rates, contingency fees, conditional fees, third party funding, legal expenses insurance and after-the-event insurance. We do not offer legal aid.

Please note that we are unable to give legal advice for free, nor do we give advice over the telephone or by email until you are an established client.

Wouldn’t you like the scales of justice tilted in your favour for once? If so, please contact justice@griffinlaw.co.uk.