Advice on bank charges
Introduction
The law on bank charges is very detailed. You can either 'go it alone' or instruct a specialist firm to act on your behalf on a ' no win - no fee basis'.
Reclaiming bank charges is a relatively new area of law. There is actually a bank charges charter that is to be submitted to the prime minister, which covers the following areas:-
- Five pounds is a fair maximum amount for bank charges.
- Penalty charge structures leave finances irrevocably damaged.
- Bank accounts are obligatory & there’s no competition.
- Banks should not be allowed to levy charges during the stay.
- Any agreed new charge levels must apply to past as well as current customers.
- Payouts should be made automatically, without request.
- Repayments should include 8% statutory interest.
- All credit file defaults resulting from unfair penalty charges must be deleted.
- There should be an immediate moratorium on all default entries.
Apply online - act now and get your money back!!
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IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]