Claiming back Bank Charges
Simple procedures on claiming back bank charges
Please note that the Office of Fair Trading and the banks have agreed to a test case to determine the legality of bank charges, it will be decided in mid 2008.
Guide on how to claim back bank charges
We are experts in claiming back the following:-
- Bank account charges
- Credit card charges
- Store card penalty charges.
- Penalty charges
- Unauthorised overdraft charges
- Unpaid cheques charges,
- Unpaid direct debit charges
- Unpaid standing orders charges. These
- Other “bounced” items charges
Time limits for claiming back bank charges
You can claim the last six years of charges, or five for claiming back your fees if you live in Scotland. Some banks often threaten to close the bank accounts of people after they have claimed back their charges. If this happens we recommend moving to another bank.
Simple procedure on claiming back bank charges
- Highlight all the bank charges that have been charges in your last six years of account statements.
- Add up the total of all the unfair bank charges
- Inform the offending bank including a photocopy of the highlighted statement pages.
- The bank will either refuse to meet your claim or offer make an offer.
- If the bank charges are small the bank may settle pay out.
- If you do not get a satisfactory response regarding the bank charges the next move is to take legal action claiming back bank charges.
- The bank must defend its case or settle out of court
If you would like to claiming back bank charges then please click here to APPLY NOW!
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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