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| Call Us On - 0161 476 2213 / 2214 |
FAQQ. How do I know how much I have been charged, in total, over the last 6 years? A. Good point. In this instance we will apply to your Bank for a list of charges that have been made over the last 6 years. We will do this by making an official request under the Data Protection Act (1998). The Bank then have 40 days, from receipt of the letter, to reply in order to comply with the law. Some of the banks charge £10 to disclose the relevant information. Q. Can I claim for more than 6 years of charges? A. No. Q. If I have been charged (£20, £25, £35 etc..) by my Bank for going over my agreed overdraft limit, but it was entirely my own fault, am I still able to make a claim? A. Yes, law is law. If you have been charged over the odds for breach of contract, no matter how that came about, you may still have grounds to claim. Banks are entitled to apply charges for the breach, but NOT at an excessive rate. By law, Bank charges must be calculated to reflect losses ONLY, no more. Q. How much will the process cost me? A. On success we apply a fee of 20% (inclusive of VAT ). Q. Will it go to court? A. Banks DO NOT want to go to court. They know that they will not win, so it is extremely unlikely. However as above 90% of claims will involve submitting a claim to court, upon receipt of your claim and as history proves, your bank will settle out of court, by refunding all charges and returning what is owed to you. Q. How long is the whole process likely to take? A. This really does depend on who you Bank with. It can take anything from a few weeks to several months. Q: My partner and I have a joint account, do we both need to sign when making any claim? A: Yes, you will both need to sign all relevant documents to make a claim. Q. Will the Bank ring / contact me? A. No, they shouldn’t do, as you will have given us authority to act on your behalf. Q. Could the Bank close my account? A. It is highly unlikely, but you should bear it in mind. We would advise that you open an alternative bank account, just in case. Q. Will this action affect my credit rating? A. No. Taking back what is your money anyway will not affect your credit rating |
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