Your debt resolution
champions fighting
for your financial freedom.
Professional legal advocates challenging the enforceability of your debts—pushing for reductions, better terms, and where justified, complete write-offs
Legal debt challenge service that gets results
Credit Resolve is a specialised legal service that challenges the enforceability of your debts through rigorous legal analysis and creditor negotiations.
How it works in simple terms:
Many debts become unenforceable due to missing documentation, regulatory breaches, or procedural errors by creditors. Our legal experts:
- Request the legally required documentation from your creditors under the Consumer Credit Act—they must provide it within 12 working days
- Analyse agreements for breaches of consumer credit regulations
- Challenge unenforceable debts—pressing creditors to confirm they won't pursue court action and, where appropriate, requesting a full write-off
- Negotiate reduced settlements for enforceable debts with errors
- Where needed, we can assist in arranging fair repayment terms with the creditor
This is NOT debt management or an IVA
We don't just negotiate payment plans. We legally challenge the very existence of your debts using consumer credit law.
Your path to debt freedom in 5 simple steps
We handle everything for you while you get on with your life
Free Debt Review
We'll assess your complete debt situation and explain exactly how our legal process works. Together we'll agree an affordable monthly fee and begin setting up your file on our system.
Contacting Your Creditors
We submit formal legal requests under the Consumer Credit Act (s77-79) for your account documentation. Creditors have 12 working days to respond—if they fail to comply, they cannot pursue court enforcement. Where beneficial, we'll also submit a Subject Access Request (typically one month response time). We manage all creditor communication for you, though you may still receive routine correspondence.
Legal Analysis & Challenge
Our legal team thoroughly analyses all documentation for regulatory breaches, missing paperwork, or procedural errors. When debts are unenforceable, we immediately demand the creditor confirm they won't pursue court action, update their records, and where circumstances warrant it, write off the debt entirely. For enforceable debts with issues, we leverage those flaws to negotiate significant reductions.
Negotiations & Settlement
For enforceable debts with errors, we present our legal report with recommendations for resolution. This could mean reduced settlements or manageable repayment plans on your terms.
Debt Freedom Achieved
Congratulations! Your creditors confirm debt write-offs in writing, your credit file is updated, and you can finally live stress-free knowing your debt problems are behind you.
Ready to start your journey to debt freedom?
Types of debts we can challenge
These Consumer Credit Act regulated debts can be legally challenged—outcomes range from reductions to complete write-offs depending on documentation quality
Credit Cards
Visa, Mastercard, American Express and all major credit card debts
Store Cards
Argos, Next, John Lewis, M&S and all retail store card debts
Personal Loans
Bank loans, building society loans and unsecured personal lending
Payday Loans
Wonga, QuickQuid and all short-term high-cost credit lending
Catalogue Debt
Littlewoods, Very, Freemans and all catalogue shopping debts
Bank Overdrafts
Authorised and unauthorised overdraft facilities (note: different documentation requirements apply)
Important Note
These debts are regulated by the Consumer Credit Act 1974. Utility bills, council tax, mortgages, and HMRC debts follow different rules and cannot be written off through this process.
The Prowse Phillips legal guarantee
We're so confident in our service that we back it with a comprehensive legal guarantee
Minimum Results Guarantee
We're committed to delivering value: we guarantee to either reduce your debt or identify breaches worth at least the amount you pay us in fees. If we don't achieve this minimum within the assessment period, we'll refund the difference.
50% Fee Cap Promise
Your fees are capped and protected: you'll never pay more than 50% (inc VAT) of the total debts we agree to challenge at instruction—regardless of how complex your case becomes or how much work is required. See full terms
How debts may be reduced:
The reality of debt in Britain today
Understanding the scale helps you realise you're not alone in this struggle
Could your debts be unenforceable?
Everything you need to know about Credit Resolve
Get clear answers to the most common questions about our debt resolution service
What makes debts "unenforceable"?
Debts can become unenforceable for several reasons: missing original credit agreements, failure to provide prescribed terms and conditions, breaches of Consumer Credit Act regulations, or missing statutory notices. When creditors cannot provide legally compliant documentation, courts may rule the debt unenforceable.
How is this different from debt management or IVAs?
Debt management plans and IVAs assume you owe 100% of the debt and arrange payment plans. Credit Resolve legally challenges the debt itself - we aim to prove debts are unenforceable and get them written off completely. This means potentially owing £0 instead of paying reduced amounts for years.
What happens to my credit file?
When debts are written off as unenforceable, creditors update your credit file to reflect this. While there may be initial impact, having debts marked as "satisfied" or "unenforceable" is far better than ongoing missed payments. Your credit will improve faster than with traditional debt solutions.
How much does the service cost?
We structure our service as a fixed-period legal fee spread over manageable monthly payments, with a firm cap at 50% (inc VAT) of the total debts we agree to challenge at instruction. This percentage is calculated against your starting debt balance, not any amounts you might pay to creditors through settlements.
The exact monthly amount depends on your debt level and circumstances, but the 50% cap is absolute—regardless of how complex your case becomes. This cap covers our legal fees; third-party costs (court fees, barristers, experts) are separate, clearly disclosed upfront, and only incurred with your approval. Complete fee structure and terms are detailed in your engagement letter before you commit. Fees are not success-based (not a DBA), and no outcome is guaranteed.
What if my debts are enforceable?
Even enforceable debts often contain errors or breaches that we can use to negotiate significant reductions. We present detailed legal reports to creditors highlighting issues, often resulting in reduced settlement offers or manageable payment plans on your terms.
Can creditors still chase me during the process?
Once we send formal Consumer Credit Act (s77-79) documentation requests, creditors have 12 working days to respond. If they fail to comply within this timeframe, they're legally barred from taking court enforcement action against you until they provide the required documents—this is a protective measure built into the legislation.
We take over as your legal representatives and request all creditor communication comes to us instead of you. However, some routine correspondence (like automated statements or standard letters) may still arrive at your address. We handle all substantive creditor contact and negotiations on your behalf.
How long does the Credit Resolve process take?
Timeline varies significantly based on creditor responsiveness and your case's specific circumstances. Most cases progress over several months, with many reaching a first defined outcome within 12-18 months. More complex situations or unresponsive creditors can extend this to 24 months or beyond.
While creditors have 12 working days to respond to Consumer Credit Act requests, overall case resolution depends on multiple factors: quality of their documentation, their willingness to negotiate, complexity of your debt structure, and whether any issues need escalation. Our fees remain fixed throughout the process, but we cannot guarantee a specific completion timeframe.
What types of debts can be challenged through Credit Resolve?
We challenge Consumer Credit Act-regulated debts including credit cards, personal loans, store cards, payday loans, hire purchase agreements, and certain overdrafts (note: overdrafts have different documentation requirements under CCA regulations).
Debts sold to third-party debt purchasers can be particularly vulnerable to challenge because documentation sometimes gets lost or becomes incomplete during the sale process. However, each account is assessed individually based on its specific paperwork and circumstances—enforceability prospects vary case by case.
What documentation do I need to provide to get started?
To begin, we need the names of your creditors and their reference numbers (if known). We handle all the documentation requests to creditors on your behalf - this includes obtaining original credit agreements, assignment documents, and account statements. You don't need to provide these documents yourself as we request them directly from your creditors as part of our legal process.
Is Credit Resolve legal and legitimate?
Yes, Credit Resolve is completely legal and legitimate. We operate under the Consumer Credit Act 1974 and established civil procedure rules, using recognized legal processes to request documentation, identify regulatory breaches, and challenge debt enforceability.
Prowse Phillips Law is authorized and regulated by the Solicitors Regulation Authority (SRA No. 621870), ensuring we meet strict professional and ethical standards. Our 50% fee cap and Minimum Results Guarantee apply as detailed in your signed engagement terms—these relate to fees and service commitments but do not guarantee any specific legal outcome. Every case is assessed on its individual merits and documentation.