What does the bank have to say
The bank should send you a reply within two weeks
Asking for your money back should always be the first move and many people are often surprised what persistent correspondence can achieve. Keep a copy of all correspondence and call up a few days later to check it has been received, noting the time, date and name of who you speak to. If you would like to claim back bank charges then please click here to APPLY NOW!
The bank should send you a reply within two weeks. If it doesn't, write again and make a phone call straight away. The best result at this stage is the bank deciding to give you a full refund, if it offers only a partial refund, refuse it and write back demanding payment in full.
Alternatively, the bank may send you a letter saying it will respond at a later date. If so, write and call back, stating that a set two-week period has already passed and if you do not hear a definitive answer within a further 14 days you will take court action.
In half of cases the bank will bluff and write back claiming the charges are not unlawful. Increasingly banks are replying to customers saying that they are mistaken and cannot reclaim their fees in an attempt to bluff them into not taking action.
If you've been charged overdraft fees or late payment fees on your bank or credit card account and want to start a bank fees reclaim action then please click here 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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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...]