Bank charge recovery Merseyside
Refund bank charges - the north west
Reclaim bank charges in Wigan
Bank penalty charges Skelmersdale
Recover unfair bank charges Liverpool
Reclaim4me can recover bank charges for returned cheques and unauthorised overdrafts!
Welcome!
Hardship
Why use Reclaim4me?
Refer a friend
T&C
Hardship case exemption
When your income isn't enough to cover reasonable living expenses and/or afford necessary financial expenses such as utilities, rent and council tax... or those struggling to repay debts such as mortgage arrears or heavy credit card debts.
Lack of funds
FSA GUIDELINES: Are items repeatedly being returned unpaid due to lack of funds?
OUR INTERPRETATION: If you don't have enough money in your bank account to meet utility bills and other payments, so that cheques or standing orders regularly bounce.
Are you failing to pay?
FSA GUIDELINES: Are you failing to make loan repayments or other commitments?
OUR INTERPRETATION: Where the lack of funds affect mortgage, loan or credit card repayments.
Is money no longer coming in?
FSA GUIDELINES: Is there a discontinuation of regular credits?
OUR INTERPRETATION: Some, or all, of your regular income/salary is no longer being paid to you.
Insolvency proceedings?
FSA GUIDELINES: Is there a notification of some form of insolvency or court proceedings?
OUR INTERPRETATION: Are you in the process of going bankrupt or entering into an IVA?
Is your borrowing increasing?
FSA GUIDELINES: Are you making regular requests for increased borrowing or repeated rescheduling of debts?
OUR INTERPRETATION: Are you living off credit cards and struggling to repay them, or continuing to borrow to maintain your lifestyle or service debts?
Do you draw cash on credit cards?
FSA GUIDELINES: Do you make regular withdrawals on a credit card at a non-promotional rate of interest?
OUR INTERPRETATION: Credit card cash withdrawals attract a much higher interest rate than just spending on the card.
Do you exceed your overdraft limit?
FSA GUIDELINES: Do you repeatedly exceed your credit card or overdraft limit without agreement (and, in that regard, where a complaint has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty).
OUR INTERPRETATION: If you are attracting over £500 per year in bank charges, then almost by definition you are in financial hardship... this is a common situation for most of our customers with sizeable claims.
Overcharged by your bank for an overdraft?
Reclaim4me will get bank charges back for you. If your bank charged you for going into the red we can recover those unfair penalty charges. No win, no fee.
