Hire purchase
Hire purchase is governed by the Consumer Credit Act of 1974, all hire purchase agreements have to be signed on trade premises, not sent through the post or by a sales person in your home. The document is a legally binding document between you and the finance company (not the shop or retail outlet you bought the goods) however over 95% of all agreements are not explained by the retail outlet, by a licensed financial adviser. Making these agreements void.
Payment protection
In nearly all the cases we have handled in the payment protection reclaims arena, is by far the biggest area where the consumer (you) have been miss-lead. Payment protection full cost is added to the loan amount and you pay interest on goods price and the payment protection price, (this alone is illegal) however over 99% of the payment protection plans are not worth the paper they are written on, due to the fact payment protection plans do not cover you for most claims. The small print of the payment protection plans, do not cover in most cases, the self employed (but are sold the plan) unemployment is not covered as income support will kick in. Accidents and illness are not covered as the sickness and other claims kick in. you are not covered for the first three months of any incident and the amount you receive if you were ever lucky enough to slip through the small print is only a very small percent of the monthly payments. Our aim here is to get 100% of this refunded.
Personal loans/credit cards
This is another big area where we have found major miss-selling and unfair practices and is by far the fastest growing side to our business. Unfair set up charges, with high interest rates, fair settlement arrangements the list is endless.
What we offer is a free document check, by our panel of solicitors, they will look through the contracts/agreements, and if they feel they have a case prepare the case for court. Our company makes its money by charging the offending company for the work which has been undertaken and by claiming £99 and 25% of the savings we make you.
All we need at this stage from you is a signed letter of authority to act on your behalf, and only if there is valid case will you be charged. So you have nothing to loose.
Apply now at JST Financial
Apply to claim back your charges today and get the freedom you deserve! JST Financial offer a free service and we offer a 60 secound test to see if you have a claim. Use our 60 secound test and see how much you can save.
Applying for a JST Financial claim couldn't be easier; it takes just minutes to apply using our short 60 secound test application form. Use the money as you wish or why not consider a holiday with the refund?
In many cases the refund will come off your loan amount or credit card balance, you willnot get a chq, but to reduce the loan is good news right?