What if your debts weren’t as final as you think?
We challenge creditors to prove their case. Sometimes they can. Sometimes they can’t. Either way, you gain clarity and control.
100% Free check
Regulated Solicitors
No hidden fees
Won’t harm credit score
Checking won’t affect your credit score.
What is Debt Contention?
Debt contention means checking whether your creditors can legally enforce what you owe.
The law requires proof
Lenders must keep proper agreements, terms, and notices.
If paperwork is flawed
Flawed paper leads to your debt potentially being “unenforceable” in court.
This gives you options
From negotiating reductions to, in some cases, challenging the debt entirely.
It’s not about dodging responsibility — it’s about making sure creditors follow the law and that you’re treated fairly.
How it works
We've already helped over 10,000+ members of the public check if their creditors enfored debt legally. Let us help you too - it's easier than you think.
Start your review
Fill in our secure form in just a few minutes. This gives us the basics to get started.
Free, review call
A short call with one of our team. We’ll explain what we can and can’t do, check we’re the right fit, and answer your questions.
Getting set up
If you’d like to go ahead, we’ll agree your fees upfront, get all the paperwork sorted (it’s a doddle, honestly) and get started on your case.
Reviewing the paperwork
Compensation is paid to you after settlement or judgment. Our agreed no-win-no-fee is deducted transpareWe request your creditor documents, analyse them against the law, and explain clearly whether debts are enforceable or have issues we can challenge.ntly — no hidden fee, no surprises.
Taking action
If problems are found, we press for reductions, withdrawals, or write-offs where justified. If debts are enforceable, we’ll help you explore fair alternatives. Either way, you’ll finish with clarity and a clear outcome.
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What Debts Can Be Challenged?
We can assess most Consumer Credit Act-regulated borrowing, including:
Credic Cards
Store cards
Personal loans
Payday loans
Catalogue accounts
Hire purchase agreements
Some overdrafts
The quickest way to see if you're owed compensation is to run a free check. We can locate scheme records even if you don’t have paperwork.
Note:
Mortgages, council tax, HMRC debts, and utility bills follow different rules and cannot be challenged through this process.
Real success stories
Join the thousands of tenants who successfully claimed compensation and got their homes fixed.
I had no idea my personal loan wasn’t protected on time. National Claim Centre handled everything and negotiated a settlement in a few weeks.
They found my scheme record was missing for my first year’s tenancy. Outcome was more than I expected
Clear communication, no upfront fees, and they didn’t contact my landlord until I was ready
A name you can trust, National Claim Centre
Specialists in Tenancy Deposit Claims
this is what we do, every day.
No-win-no-fee
You pay nothing upfront; our solicitor fee applies only if we win.
Clear, human service
plain-English updates and a dedicated UK case handler.
Fast evidence gathering
we obtain records from deposit schemes and agents.
Respect for your situation
if you’re still renting, we’ll plan the safest timing and we won’t contact your landlord without your permission.
Frquently Asked Questions
Will filling in the form affect my credit score?
No. Completing our form or starting a review will not appear on your credit file or affect your score. We do not run credit checks.
Am I tied into anything by filling in the form?
No. The review is free, confidential, and carries no obligation. You’ll only proceed if you choose to after speaking with a solicitor.
What happens after I submit the form?
We’ll set up your file and arrange a short call with one of our solicitors. They’ll explain what we can and can’t do, answer your questions, and confirm if we’re the right fit.
Is my information safe?
Yes. Everything you share is covered by solicitor–client confidentiality. We are authorised and regulated by the Solicitors Regulation Authority (No. 621870) and follow strict data protection rules.
What makes debts “unenforceable”?
Sometimes creditors can’t provide the legal paperwork required under the Consumer Credit Act — such as the original signed agreement, prescribed terms, or proper default notices. If documents are missing or non-compliant, the debt may be legally unenforceable in court.
How is this different from debt management or IVAs?
Debt management plans and IVAs are repayment-based solutions. You still repay part or all of the debt over time. We start by testing whether the debt is legally enforceable. If paperwork is flawed, we use that to seek reductions — and in some cases, write-offs. If debts are enforceable, we’ll still help you explore fairer options.
What happens to my credit file?
It depends on the outcome. If a debt is reduced, settled, or written off, the creditor normally updates your file to reflect that. Defaults and late payments may remain for up to six years. “Unenforceable” itself is not a credit file marker. We’ll explain the likely impact in your advice letter.
How much does the service cost?
The review is free. If you go ahead, fees are agreed in advance and capped at 50% (inc VAT) of the debts we review. You can pay in instalments, and there are no hidden extras. Full details are set out in your client care letter.
What if my debts are enforceable?
We won’t leave you stranded. We can:
- Ask creditors to consider a fair settlement or repayment (paid directly by you).
- Adjust our fees if continuing isn’t affordable.
- Point you towards free or FCA-authorised services if that’s in your best interests.
Can creditors still chase me during the process?
Once we’ve sent a valid legal request (such as a CCA s77–79 request), creditors cannot take court enforcement action until they comply. Routine letters or statements may still arrive, but we’ll handle the creditor contact for you.
How long does the process take?
It depends on creditor response times and case complexity. Some matters progress within months; others take longer. We aim to move toward a first defined outcome within 24 months, but no timeframe is guaranteed.
What types of debts can be challenged?
We focus on Consumer Credit Act regulated borrowing, including credit cards, personal loans, store cards, payday loans, hire purchase, catalogues, and some overdrafts. Mortgages, council tax, utility bills, and HMRC debts follow different rules and are not covered.
Could your debts be unenforceable?
Find out if your debts can be challenged. Start with a free, confidential review — no obligation.
National Claim Centre is a trading style of Solvo Solutions Ltd, authorised and regulated by the Financial Conduct Authority for claims management referrals (FRN: 1013195), registered in England and Wales Registration Number: 14760023, address is Suite 3, 2nd Floor, Didsbury House, 748 - 754 Wilmslow Road, Manchester, England, M20 2DW.
*Our service is free of charge to you, we may receive a fee from our panel of solicitors for merely introducing you, at no cost to you. Our panel of solicitors typically charge you a success fee of 25% plus VAT, typically paid out of the compensation amount awarded for a successful claim. Your solicitors will advise further.
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