What is an ‘Unfair Relationship’

In 2006 a ruling by the Supreme Court in the case of Plevin vs Paragon Finance Ltd. deemed Mrs Plevin was subject to an ‘Unfair Relationship’ as a result of actions taken by the financial lender. Paragon failed to disclose the amount of commission it received when Mrs Plevin took out a financial loan agreement, along with additional Payment Protection Insurance. The case set a new legal precedent and provides better protection for consumers entering into credit agreements.

Legal experts can now look at the terms of consumer credit agreements to establish if they are unfair, as well as considering the behaviour of the lending party to determine if the relationship has been in any way unfair to the borrower. For example, If you have been sold an unsuitable financial product, information was not disclosed to you at the point of sale, or a creditor has behaved unfairly in the way in which your credit agreement was secured or managed, you may be able to make a claim of Unfair Relationship.

Additionally, those who have successfully won a claim for being mis-sold Payment Protection Insurance (PPI), may be eligible to make further claims of the category of Unfair Relationship.

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How can Praetorian Legal Help with Unfair Relationships?

Establishing whether you are subject to an ‘Unfair Relationship’ as a result of the terms and conditions imposed through a credit agreement, or if a lendor has behaved unfairly in securing a credit agreement is an extremely arduous and complex area of legal practice. Our experts have a wealth of knowledge and over 30 years’ combined experience working in all areas of consumer credit agreements.

Section 140 of the Consumer Credit Act 1974 allows us to look into retrospective loan and credit agreements, dating back as far as 20 years. However, looking into historic cases does require access to all financial documents and accurate details of the lender in order to increase the likelihood of a successful outcome.

If you have previously reclaimed PPI on a bank or other loan because it was either mis-sold or you were unaware it was included as part of the credit agreement, it is possible that you also qualify to make a supplementary claim for Unfair Relationship.

We are particularly interested to hear from those who have had credit agreements with the following lenders: Hitachi Personal Finance, Barclays Partner Finance, Shawbrook.

Every case is different, with different challenges, aspirations and outcomes. In order for us to deliver a first-class, professional service we take the time to listen specifically to your case, review all necessary documentation and discuss the most appropriate, and effective course of action through with you in advance.

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Why use Praetorian Legal?

We are legally trained professionals who operate within the ethics laid down within the legal profession

We do not operate as Solicitors and as such we can keep our costs low and affordable

All our work is carried out to a high professional standard, we strive to ensure all our clients are fully satisfied from initial consultation through to settlement

Should your matter require further specialist assistance we use our own preferred barristers with whom we have a close working relationship

We fuse traditional values of approachable personal service with a commitment to the highest quality, professional legal advice

We strive to fulfil our company philosophy of “managing the clients expectations”

Start your claim today!

Alternatively, give us a call on 0121 272 3100.

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A MESSAGE FROM OUR CHIEF EXECTIVE TO ALL OUR NEW CLIENTS

I am Gary Smith the Legal Director and Chief Executive of Praetorian Legal.  I understand the challenges timeshare owners face when considering terminating your timeshare agreement.  I also understand that you may have entered into termination agreements previously and lost money. In an industry full of false promises and unscrupulous operators you are right to be cautious. 

My pledge to you, as a timeshare owner desperately seeking a reliable termination solution, is this:

If you are serious about wanting to end your timeshare nightmare, my company can provide you with the termination solution you want; guaranteed. 

I want you to know you have made the right choice and that you will never need to seek assistance again having instructed Praetorian Legal.  I invite you to come and see our operation in action; you are invited to come and see me; the Chief Executive of the company.  I am legally trained and qualified with 17+ years litigation experience. I am not a sales person nor are any of my staff.  You will not be subject to any selling presentation, you will not be asked to part with any money whatsoever nor will you be asked to sign any documentation on the day of your visit.  Any documentation will be sent to you after your visit but ONLY if you express an interest in using our services; if you don’t there is no obligation whatsoever to use us. 

We are authorised and regulated under the Claims Management Regulator the Ministry of Justice so you will never receive a cold call or unsolicited approach from Praetorian Legal, cold calling is strictly prohibited under our authorisation.  We only work with our own opted in data sources from incoming enquiries from our internet and Social Media campaigns. 

If you choose to visit us, you will be attending a working office where you can see the operation for yourself.  You will be invited to talk to our staff if you so wish and you will be able peruse our many hundreds of testimonials that stretch back over our four years of trading up until the week you are attending.  Almost everyone who provides testimonials to us agree to talk to our new clients, you will be able choose as many testimonials as you wish at random and we will arrange contact with your chosen people who have already used our services.

As one of our past clients described us Praetorian are a shining light in an otherwise very dark and dismal industry’.  

We hope that you will take us up on our offer and we look forward to serving you in the very near future. 

Gary Smith

Praetorian Legal CEO

 

A MESSAGE FROM OUR CHIEF EXECTIVE TO ALL OUR NEW CLIENTS

I am Gary Smith the Legal Director and Chief Executive of Praetorian Legal.  I understand the challenges timeshare owners face when considering terminating your timeshare agreement.  I also understand that you may have entered into termination agreements previously and lost money. In an industry full of false promises and unscrupulous operators you are right to be cautious. 

My pledge to you as a timeshare owner desperately seeking a reliable termination solution is this. If you are serious about wanting to end your timeshare nightmare my company can provide you with the termination solution you want, guaranteed. 

I want you to know you have made the right choice and that you will never need to seek assistance again having instructed Praetorian Legal.  I invite you to come and see our operation in action, you are invited to come and see me the Chief Executive of the company.  I am legally trained and qualified with 17+ years litigation experience. I am not a sales person nor are any of my staff.  You will not be subject to any selling presentation, you will not be asked to part with any money whatsoever nor will you be asked to sign any documentation on the day of your visit.  Any documentation will be sent to you after your visit but ONLY if you express an interest in using our services, if you don’t there is no obligation whatsoever to use us. 

We are authorised and regulated under the Claims Management Regulator the Ministry of Justice so you will never receive a cold call or unsolicited approach from Praetorian Legal, cold calling is strictly prohibited under our authorisation.  We only work with our own opted in data sources from incoming enquiries from our internet and Social Media campaigns. 

If you choose to visit us, you will be attending a working office where you can see the operation for yourself.  You will be invited to talk to our staff if you so wish and you will be able peruse our many hundreds of testimonials that stretch back over our four years of trading up until the week you are attending.  Almost everyone who provides testimonials to us agree to talk to our new clients, you will be able choose as many testimonials as you wish at random and we will arrange contact with your chosen people who have already used our services.

As one of our past clients described us Praetorian are a shining light in an otherwise very dark and dismal industry’.  

We hope that you will take us up on our offer and we look forward to serving you in the very near future. 

Gary Smith

Praetorian Legal CEO