Reclaim your bank charges! |
NEWS
BREAKING NEWSl
Office of fair trading is taking legal action against banks. All
claims will be on hold until the outcome of the court case is known.
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On 5 April 2006, the Office of Fair Trading (OFT) concluded that
default
charges over £12 are automatically presumed to be
unfair. In terms of the Unfair Terms
in Consumer Contract Regulations Unfair terms are legally
unenforceable.
Experts believe there's no way a £30ish charge, when someone exceeds
their overdraft limit or bounces a cheque, is proportionate.
Remember it could simply be 1p over the limit and you're charged,
and even if it's more you pay interest anyway. It's their costs
we're looking at. Does it really cost £30
for a computer to write and send an automated letter?
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Types of overcharges
- Unauthorised overdrafts fees
- Bounced cheque fees
- Refused direct debit and standing order fee
- Late payments fees on credit and store cards
- Penalties on delayed mortgage payments |
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Phone Number: UK
01142 738 178
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We specialise in reclaiming charges made by UK banks
and credit card companies.
If you have ever had a Direct Debit
not paid, a cheque bounced or exceeded your account or overdraft
limit or paid you credit card payment late then you may well have
been charged £20 - £40 by your bank. You might have been 'cross' or
'upset' about this at the time but perhaps you would have been even
more so if you had realised it may actually be unlawful for them to
have made that charge at all.
We specialise in reclaiming charges made by UK banks and credit card
Excessive bank charges
A recent Office of Fair Trading
investigation stated that many charges were not only unfair but also
unlawful. This means that you could be legally entitled to reclaim
bank charges made for at least the past SIX years.
Already thousands of bank customers have reclaimed millions of
pounds worth of unlawful bank charges.
What is an unlawful bank charge?
AUK law does not allow ‘penalty’
clauses.
UK law states that banks can only apply charges which relate to
their costs. We do not believe it costs any bank £20 - £40 to not
pay a direct debit or cheque (even allowing for the cost of writing
you a letter to tell you they have not paid it). If this is the case
then in making a £20 - £40 charge, that bank is not recovering its
costs, it is FINING you. It is not allowed to do this.
Any Fee charged for exceeding an overdraft or 'bouncing' cheques,
direct debits and standing orders could therefore be unlawful.
We can claim back unlawful bank charges for you -
for at
least the last 6 years.
We know exactly the process required to get back unlawful bank
charges as quickly and efficiently as possible. The process can be
frustrating but using our service means you can be sure that you
will not suffer any unnecessary expense or delay and that we will
'get the job done'. It is in our interests to act effectively and
efficiently, otherwise we do not get paid - we get your money
back as quickly as possible.
• We charge you nothing unless we successfully reclaim your charges
• We save you the time and worry of dealing with your bank and, if
necessary, the Court
• We will pay all the costs of pursuing your claim - including Court
and legal costs
We operate a no win, no fee service. If we are successful in
reclaiming unlawful bank charges then we simply take a percentage of
these. Our fee starts from 20%. You pay nothing more - we will pay
all legal and Court costs ourselves and recover these from the bank
when we win.
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