Fighting a Phantom debt – James was told he owed £540 for a closed credit card account. The letter threatened his credit rating.

LegalSnap flagged the letter as a Late Payment Dispute and produced a draft citing the UK Consumer Credit Act. James included his closure confirmation and sent it.

The creditor withdrew the claim and corrected his credit file.

Money Saved: £540 immediately, plus thousands in future loan costs avoided.
Outcome: His finances stayed intact.