Hi didi3005,

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Hi All

I received a pack from a company called Action Today. They are offering me a solution to help clear my debts and reduce them by 50%.
This is through 'The Rebuild Programme'. Is this legit or is it something to avoid? Any info would be appreciated. Thanks.

Hi didi3005,

The "rebuild programme" they are offering is not a recognised single debt solution.

It's a combination of a debt management plan, PPI mis-selling claims, and challenging the enforceability of the consumer credit contracts that you signed.

Basically they'll set up a claim (if you have PPI policies which you consider were mis-sold to you) which may reduce your debts if they are successful (and assuming that you actually have a claim at all).

They'll also challenge your credit agreements if you think that they should be deemed unenforceable by the Courts because there are technical flaws in them. This is a highly contentious legal area and you are by no means assured that this will work for any of your accounts. You'll also need to weigh up the moral angle of challenging a possible contractual flaw where money was lent and borrowed in good faith (assuming that it was).

The rest of the debts will be dealt with via the debt management plan.

There are no guarantees attached to any of this and I think that the greater certainty of the other more straightforward and standard single options open to you might be a better direction to take.