DO you have a loan or credit card that was taken BEFORE April 2007? If the answer is yes then you may be legally entitled to have the remaining balance quashed due to changes in the Law. Recent legislation has allowed for thousands of people to challenge the validity of their debts as many of them do not contain the legal requirements.Has your credit card has been raised without your explicit approval?This is just one of many reasons why people are now claiming againt their lender. Nectar Claims is one of the most cost effective auditing facilites on the market. Our legal team have designed a test that can be found at www.nectarclaims.co.uk where you can see for free if you potentially have a claim. Unfair credit agreements are causing the lending world a major financial head ache. However this is an opportunity for you to have the debt cleared due to their inaccuracies.