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Get a refund on your unfair bank charges now
Direct debit or cheques returns, slipping into the red, going into your overdraft or late payment fees. Did you know you can claim back these unfair charges back for the last 6 years? Even if it was your own fault that you incurred the charges. Chargeclaims.co.uk's expertise in contract and consumer law provides customers with the clout and the confidence to take on the banks and cream off some of the fat cats' profits.
English law states that a charge for breach of contract is not enforceable - the maximum amount that legally may be charged must reflect the actual losses incurred as a result of the breach of contract. Charge Claims is a completely free to sign up service that has a 100% success rate. We work on a no win no fee basis and will complete a free audit of your bank account to calculate the unfair bank charges applied to your account over the last 6 years
Bank Charges that mount and mount are a common feature of modern live, don't let your charges become a problem and make a complaint.
What is happening on complaints about unauthorised overdraft and other bank charges?
Bank Charges that mount and mount are a common feature of modern live, don't let your charges become a problem and make a complaint. The Financial Ombudsman Service – and courts across the country – put individual complaints about unauthorised overdraft charges on hold, while waiting for an important legal "test case". Can the right insurance help avoid costs and charges?
The Financial Services Authority (FSA) also agreed that banks could suspend their work on complaints about these charges, until the "test case" decision was made. see FAQs complaints about bank charges
THE LAW ON UNFAIR BANK CHARGES
The "Unfair (Contracts) Terms Act 1977" and the "Unfair Terms in Consumer Contracts Regulations 1999", are designed to protect you as a consumer. This Legislation specifies that in order for a charge to be lawful it must represent the actual financial loss sustained by your bank.
The arbitrary nature of blanket bank charges means that all customers are charged the same regardless of the sum involved. However, the only charges that are legally applicable are ones covering the actual losses sustained by the bank in administrative costs and interest
With consumers paying up to £40 for a typical unpaid direct debit for a transaction that may have cost the banks a few pence. It's not hard to see why the banking sector has seen record profits in recent years. What's more, as these charges are unenforceable under current legislation you are entitled to get these charges back for the last six years.
So how can Charge Claims help? Although these charges are unenforceable its not as simple as just asking for them back. The banks do not want to pay out and will try every tactic in order to avoid this. Chargeclaims.co.uk offers a complete service – customers simply sign up and experts do all the work for them. Chargeclaims.co.uk's expertise in contract and consumer law provides customers with the clout and the confidence to take on the banks and cream off some of the fat cats' profits. read more at Reclaiming bank charges How can you still reclaim fees This is Money