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Agreement
Solutions
Financial
CHECKER
Unregulated Mortgages
Reconstructs the mortgage account and, in accordance with the mortgage terms, checks the agreement for compliance and if the lender has overcharged interest.
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Interest only, repayment or split
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Fixed, variable, dual, capped/floor rates
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Higher lending charges
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Accounts for arrears when not in arrears
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Checks spurious items debited to the account
CHECKER
Undisclosed Broker Fees (UDC)
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Reconstructs either the mortgage or loan account and, in accordance with the agreement terms, checks the agreement for compliance and if the lender has overcharged interest.
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Calculates the redress quantum based upon 'Rescission' (guidance given by the Regulators) whereby the Lender gets back the amount loaned to the Borrower and the Borrower gets back the amount paid to the Lender plus restitution interest.
CHECKER
Payment Protection Insurance (PPI)
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Reconstructs either the mortgage or loan account and, in accordance with the agreement terms and taking account of the PPI premiums, checks the agreement for compliance and if the lender has overcharged interest.
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Calculates the redress quantum based upon guidance given by the Regulators and case law whereby the Lender simply pays back to the Borrower the PPI premium(s) paid along with any associated charges and interest. (see Credit Card Checker for PPI in Credit Cards)
CHECKER
Regulated Credit Agreements - Account Reconstruction
Reconstructs the loan account and, in accordance with the Consumer Credit Act Agreement Regulations and the the loan agreement terms, checks for compliance and if the lender has overcharged interest.
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Fixed-sum Loan Agreements
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Conditional Sale Agreements
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Hire Purchase Agreements
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Credit Agreements
CHECKER
Regulated Credit Agreements - Form & Content
In accordance with the Consumer Credit Act Agreement and Total Charge for Credit Regulations, the form and content of the agreement (s60), along with the prescribed terms (s61), is checked for any breaches.
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Fixed-sum Loan Agreements
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Conditional Sale Agreements
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Hire Purchase Agreements
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Credit Agreements
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Hire Agreements
CHECKER
Credit Card Agreements
Reconstructs the mortgage or loan account and, in accordance with the agreement terms, checks the if the lender has overcharged interest taking account of any rogue PPI premiums; and
In accordance with the Consumer Credit Act Agreement and Total Charge for Credit Regulations, the form and content of the agreement (s60), along with the prescribed terms (s61), is checked for any breaches.