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This is a BBC Look North news feature, discussing how up to 80% of the 50 million credit agreements signed each year may be flawed, and how up to 20 million of them may not even be enforceable.
Visit us at TheLegalWay.co.uk to find out more about writing off unenforceable credit agreements.
Interviews with Barry Ryan who claimed against his bank, reducing an £18,000 debt to just £2,000, and David Lodge from West Yorkshire Trading Standards.
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