Consolidate Credit Card Debt with Experts!
How to claim back credit card charges
Unlawful Credit Card Charges
The default credit card charges, according to consumer law, are only meant to cover the actual costs of late payment or exceeding the card limit. Credit card companies cannot impose fines or levy charges over and above this level.
OFT & Credit Card Charges
But that is precisely what's been happening. When the Office of Fair Trading carried out an investigation in 2006, it concluded that fees above £12 were unfair and unreasonable. Consequently, most credit card companies have lowered their charges to £12.
However, on the basis that most credit card charges have been almost three times this amount (on average £30-£35), the OFT have recommended that individuals are entitled to claim from their credit card provider the difference between £12 and what they were in fact charged. Our expert recovery processors on the other hand will act on your behalf to claim back not only the difference, but possibly the entire amount charged. These claims can be backdated up to six years and include interest payable by the credit card company from the date the charges were debited.
On the face of it you might think that recovering your credit card charges would be quite simple. Unfortunately, the credit card providers have been making it as difficult as possible for consumers to make a claim.
This is where we can help you. Our selected independent claims processing company has the in-depth experience of handling claims for credit card charges, and they have invested heavily in customer-focused systems in order to deal with your claim in the most efficient manner.
They make starting the process as easy as possible. Once they've taken on your claim, they guarantee not to charge you a penny until you've been reunited with your money. They'll then invoice you for 25% of the amount of credit card charges recovered.
Follow these 3 easy steps!
Fill in the form on the right
We will call you at a convenient time for you to discuss your claim
First step on the road to success!
Debt ManagementOpen
A Debt Management Programme will help you. We will agree a monthly payment with credit card companies, banks and loan companies that you find affordable and we will then make arrangements with your creditors and
distribute your contributions on time.
Tax DebtsOpen
Tax Debts are an onerous problem and must be met otherwise you and/or your company could face financial ruin. We have a close working relationship with the Inland Revenue
(HMRC) to whom your income tax
and PAYE are due and can usually
make arrangements for a regular
payment of the taxes from your
salary once they are
mutually agreed
Bank Charge ClaimsOpen
Unfair bank charges have been charged for years by the high street banks on your loan,
mortgage, mortgage arrears and
unauthorised overdraft. We will
negotiate to have your money
refunded and if you are a company
or suffering hardship the
process is very fast.
Credit Card ClaimsOpen
If you have incurred credit card charges which are excessive and want to know about how to
reclaim on a no win no fee basis
call Mike on 0800 917 8253
of fill out the form and we
will call you.
PPI ClaimsOpen
The estimate is that 23 million people in this country have been mis-sold a policy and have been charged interest on the premium
and loan together.
YOU must be one of those
who has been mis-sold.