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Write off credit card debt

Some organisations claim to be able to write off your credit card debt for you. Be careful - these claims are misleading and could cost you even more money.

Beware of any firms claiming to be able to write off your credit card debt by using a legal loophole, and be particularly wary of anyone asking for upfront fees to do the job.

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Unenforceable debt

Under the Consumer Credit Act, there are situations in which a debt becomes ‘unenforceable’. Don’t be confused by this - if a debt is considered unenforceable this does not mean it has been written off.

Under the Act, if a creditor has made an error on your credit agreement, the debt becomes unenforceable until the error is corrected. The Act also gives consumers the right to request a copy of their credit agreement and, while they are waiting for this information, the debt is also considered unenforceable.

What does this mean?

If your debt is unenforceable, this means that your creditors cannot take out a court judgement against you, or demand back items on credit or hire purchase whilst you are waiting for the correct paperwork from them.

It does not mean that your debts are written off. You will still owe any money outstanding to your creditors and charges and interest could still be added to your debt whilst you are waiting for the information you have requested or for errors to be corrected. What’s more, once your creditor has provided you with the paperwork requested, your debt becomes enforceable again.

Impartial credit card debt advice

If you are worried about your credit card debt, we recommend that you get in touch with us straight away. We will look at your circumstances and work out the best debt solution for your situation.

We are the UK's number one debt help charity and you can rest assured that any debt advice we give is both professional and impartial. What's more, our services are absolutely free.

Our online debt advice service, StepChange Debt Remedy, has helped many people get out of debt, and it can help you.

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt. They were a pillar of support to me." (Leslie, Essex)

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Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

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