We review your loan / credit agreement to look for slight miscalculations. Things like interest and total charge for credit are often slightly out. This would be enough to challenge the lender. If the loan is proven to be unenforceable then the balance can be written off without affecting your credit file.
We will also request a copy of the credit agreement from the lender. We can challenge them if they cannot produce a copy within a certain time.
When you took out your loan you may have been mis-sold payment protection insurance. We will check to make sure the policy was suitable and sold properly. If we can find grounds for a claim then we will allocate you one of our panel solicitors. (You would keep 100% of any compensation).