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Frequently Asked Questions

How long will it take?

It depends on the bank but you should allow 3-4 months. If we need to go to trial it may be a little longer.

Can I claim charges that have been applied to my Credit cards as well as my current account?

We can help you get back all penalty charges whether Credit Cards, Personal Current Accounts, Loan Accounts and even Business Accounts. We may ask you to supply the necessary information in relation to accounts other than your current or business account if the sum claimed is less than £500.

I have moved bank and no longer have an account, does that matter?

No, we can still make a full claim for all charges in the last 6 years.

Do you think the bank will close my account if I make a claim?

“The Banking Code Standards Board” states that the banks should not take a “disproportionate response” and should always treat customers “sympathetically and positively” but we cannot offer any guarantee that the account will not be closed as their conduct is out of our hands.

Will the Bank contact me?

They shouldn’t contact you, as you will have given us authority to act on your behalf. If they do contact you concerning your claim for bank charges then please let us know immediately.

What if the bank refuses to cooperate?

In the rare case where your bank refuses to pay anything, we will recommend that either your case be referred to a National law Firm so that your claim can be issued in the County Court, or we will refer your case to the Financial Services Ombudsman who have broad powers to resolve the dispute. This is sometimes cheaper and quicker than the Court process.

Will this process affect my credit rating?

No, it will not have any effect on your credit rating.

Will my claim definitely be successful?

There are no guarantees but apart from one or two unusual cases that you have probably read about in the papers, the banks have reluctantly settled all claims to avoid a binding Court precedent.

Can I claim for more than 6 years of charges?

No. As a matter of law you can only claim back six years from the date of your claim.
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