LOANS WRITTEN OFF !

    LOAN – MORTGAGE AND CREDIT CARD ASSESSMENT FOR COMPENSATION.

Have you taken out any loans or credit cards before April 2007?

Have you been paying payment protection insurance on your credit card or on your loan or mortgage?

Have you taken out a mortgage before August 2005?

You need to be aware that there is a strong possibility that you can reclaim your premiums for PPI insurance and even have your loans written off !

You may have seen on BBC recently that millions of you are due compensation.

  Banks like Alliance & Leicester have been fined £7 Million for having illegal credit agreements!!

Lawangels is a government regulated company and can assist you by writing off the remainder of your loan or retrieving hidden commissions or compensation because around 80% of credit agreements have been rendered unenforceable because they did not comply with the Consumer Credit Act 1974!!

The whole purpose of PPI was to cover your monthly payments in the event that you are taken ill or become unemployed.  You may be entitled to a claim if you were sold the policy when you did not need it or if you would not have normally qualified for the policy anyway such as those of you who were retired, students, self employed or unemployed.

Approximately 30 million of you can claim back your mis sold PPI premiums. Act now before legislation changes affect the amount you can retrieve.   Lawangels can work out wether or not you are entitled to a claim, simply contact the  Lawangels legal team who can at times claim back for you the lump sum and any hidden commissions. You will have possibly been mis sold Payment Protection Insurance if:

o    You were told you would not qualify for the credit unless the insurance was taken out.

o    You were unemployed, self employed, a student or retired at the time.

o    The salespeson pressured you into buying the insurance.

o    You were not questioned on existing cover you may have had.

o    You were not told you could possibly purchase the policy from an alternative provider ( which can be up to 80% cheaper).

o    You had a medical condition at the time of signing up for the policy and were not told the policy could be affected by medical problems

o    You were sold a single premium loan policy

o    The policy was added on without you knowing about it.

Simply contact lawangels on 01254 296069 or email  This e-mail address is being protected from spambots, you need JavaScript enabled to view it  . NOW !

COST TO YOU:    NO WIN NO FEE!! WE WONT CHARGE YOU UPFRONT LIKE OTHER COMPANIES...WE WILL WORK ON A NO WIN NO FEE AGREEMENT.

Simply contact lawangels on 01254 296069 or email  This e-mail address is being protected from spambots, you need JavaScript enabled to view it  to see how much you can claim back.

Do not delay your claim any further and get your money back NOW!!

        !! DO NOT IN ANY CIRCUMSTANCES ACCEPT A MUCH LOWER OFFER FROM YOUR BANKS AS THEY ARE KNOWN TO OFFER MUCH LOWER AMOUNTS THAN WHAT IS ACTUALLY DUE !!

Bank Charges

You may not be aware but you can recover your bank charges for the last 6 years which were placed on your credit card.  You can also recover excessive charging on you current accounts although the landmark case is still in court and the results are due in the nest few months so it is crucial you place your application in the queue now.

The core argument is that banks should only impose charges which are in proportion to their costs. This is because under the Unfair Terms in Consumer Contract Regulations the charge should not exceed the cost to the provider.

Yet go beyond your overdraft limit or have a cheque or direct debit payment bounce and the banks charge up to £39 a time at times more,– even if you’re only £1 over the limit. Yet all it has to do is send a computer-generated automatic letter with a franked stamp. A report by a Professor of Banking estimated this costed only between £2.50 and £4.50. And this was being generous.

All in all, this means, that bank charges are unlawful, or so as the banks had no right to grab your cash, but still did it, you’re entitled to get it back.

The next stage is for the OFT (Office of Fair Trading) to assess whether it thinks bank charges are actually unfair, and we are expecting to hear more on this on in the next few months.

 --

Lawangels can help you recover your bank charges by sending a series of letters to your bank or credit/store card company demanding your money back.  We will do this once we have worked out how much the bank owes you.  In order for us to do this we need to calculate how much is owed by working out what the difference between your bank charge and the charge advised by the Office of Fair Trading is (currently £12).  An interest charge of 8% can also be added on the amount that is owed.

 DO NOT IN ANY CIRCUMSTANCES ACCEPT A MUCH LOWER OFFER FROM YOUR BANKS AS THEY ARE KNOWN TO OFFER MUCH LOWER AMOUNTS THAN WHAT IS ACTUALLY DUE.

Simply contact lawangels and we will send out the information pack  including a letter of authority which you will need to sign and send back authorising lawangels to work on your behalf.   We will  work out how much is owed to you once you have provided a list of all charges incurred in the last 6 years on each one of your accounts which is obtainable at a maximum cost of £10.00, your bank cannot charge you more than £10.00 and if it does you can complain to the information commissioner.  If you are registered with your bank for internet banking you can often download a list of all charges incurred for free.

There is a fee for this service:

Forward a cheque of £25 made payable to lawangels (along with the form you can download) which will cover our admin costs and once the charges have been recovered we will deduct 15%.  Bear in mind you can recover thousands.

Most of you have been overcharged and so it is advisable to reclaim your banks charges as soon as possible which can run into thousands.

Regulated by the Ministry of Justice in respect of claims management activites - CRM 18014

Data Protection Registered ICO Registration Number Z1624561