Get Out Of Debt
  • Write off unaffordable debts
  • Lower your monthly payments
  • Stop creditors from contacting you
  • Check My Debt Options

How Can I Get Out of Debt?

With a simple legislated debt solution you can consolidate all your debts into one lower, affordable monthly repayment. Make one set payment per month for a set period, and after the period expires any remaining debts left are legally written off. This can be up to 90% depending on your circumstances.

ALLAY CLAIMS THREATENING ME! WITH CCJ!

Trendytab asked:

Hello, can someone lease advise urgently on the attached letter I received today. These guys (Allay Claims) ‘helped’ me to claim back some banking charges and are now demanding for 35% of what was awarded! Is there a template letter I can use to reply to this letter? They are now threatening me with county court action and use of bailiffs etc. What do I do now? Assistance much appreciated! Thanks in advance you lovely bunch.

Tiggy replied:

Did you sign a contract with them to pay 35% ?

Trendytab replied:

Hi Tiggy, they sent me a lengthy document at the time which might have been a contract that I signed but it was so lengthy I didn’t read the fine print to check how much commission they would charge and I didn’t even understand it anyway but I signed it. What do I do now as it was a while ago and I can’t afford to cough out the fee they are demanding – thank you

Tiggy replied:

On the presumption they have the original you signed, all they have to do is produce that contract in Court, they don’t need any other proof of debt.

How much did you think you were being charged ?? Did you get any money refunded to you?

Trendytab replied:

I was charged a little over £292 (the letter is attached to this post) however I didn’t receive the demand from Allay Claims weeks after the bank credited my account with the refund. In the first instance, I didn’t know how much they would refund so when the bank credited my account I just assumed Allay Claims had received some commission directly from the bank as they filed the claim on my behalf. Anyway, I had already spent the refund before I received the letter from Allay Claims several weeks later. Do you believe it’s actually worth their while to take me to court over £292? Will it not cost them a considerable amount to do so? Can you advise on any get out clauses?

Tiggy replied:

Any Court costs will be passed onto you if you lose the claim. You can ask for a copy of the contract and see if there are any unfair terms.

Also, check the Ministry of Justice claims management registration web site to make sure they are regulated.

Trendytab replied:

Thanks for the reply – if the matter goes to court and I agree to pay immediately without attempting to defend it, will I incur any further costs?

I just checked the Ministry of Justice claims management registration web site and their name is on there

Would it help if I send the demand letter back with the addressee unknown label?

Tiggy replied:

You could try it, you’ve opened it though haven’t you ?

Trendytab replied:

Yes I can simply resell it thanks for your assistance