Bank charge recovery form
Unfair bank charges - the law
Reclaiming your bank charges
How to sue your bank over penalty charges
Recover unfair bank and overdraft charges
Reclaim4me can recover bank charges for returned cheques and unauthorised overdrafts!
An outline of the applicable laws:
The 'Unfair (Contracts) Terms Act 1977' and the 'Unfair Terms in Consumer Contracts Regulations 1999', are there to protect you, the consumer.
This legislation specifies that in order for a charge to be lawful it must represent the actual financial loss sustained by your bank, building society or credit card company.
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.
Recover those unfair penalty charges from your bank or buildin society. If they charged you a late payment penalty or a penalty for unauthorised overdraught or exceeding your overdraft limit, reclaim4me can help!
Reclaiming bank penalty charges the easy way
The law relating to penalties was established through case law, with cases dating back to the nineteenth century and the courts have been consistent in the way that they have ruled on penalty clauses.
The arbitrary nature of the blanket charges used by banks, building societies and cedit card companies means that all customers are charged the same regardless of the sum involved. However, the law says the only charges that are legally applicable are ones covering the "actual losses" sustained by the bank, building society or credit card company in administrative costs and interest.
So how can reclaim4me help?
Although these charges are unenforceable it's not quick or simple to get them back. Clearly the banks, building societies and credit card companies do not want to pay out and will employ a number of tactics to try and put you off, in the hope that you'll give up… and many people who try to manage their own claim do just that.
Reclaim4me will not give up!
Our experts will assess, initiate and manage every stage of the claim for you, right through to the cheque arriving at your door.
To begin your claim, simply complete the enquiry form below, sign the documents that we send you, and we will do the rest!
Where the account holder has been typically charged £30 for an unpaid direct debit and the actual transaction may have cost only a few pence to administer, it is easy to understand why the banking sector has seen record profits again in recent months.
What's more, as these penalty charges are unenforceable under current legislation you are entitled to get these charges back for the last six years (five years in Scotland).
Start your claim right now...
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Please note: We can only commence work on your behalf once you have signed and returned our third party agreement form. | |