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http://www.debtadvicesurgery.co.uk Discover if you have Unenforceable Credit Agreements and organise a Nil Balance Write-Off yourself with the Creditor. Credit cards, store cards, unsecured loans, secured loans and hire purchase taken out prior to April 2007. Self Help Guide utilising the Consumer Credit Act 1974. Letter templates included. Sections of the Consumer Credit Act 1974 included. Creditor tactics exposed. Can improve your credit rating if defaults registered against you. Does not negatively impact your credit rating. 100% legal. Easy steps to follow.

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