Bank charges law
Do you want to know about bank charges law?
Have you ever been the victim of unfair bank charges relating to unplanned overdraft, failed direct debits, bouncing cheques, Payment Protection Insurance, unpaid standing orders or credit card fees? Most of us have. Would you like a bank refund of some or all of these charges? Most of us would. But what is the current state of bank charges law?
Firstly, bank refunds don't just magically happen by themselves. In fact banks are quite skilled at discouraging you from pursuing them to reclaim any money you might feel is owed to you. They often use a combination of truth, confusing legal jargon and the assumption that the consumer is uninformed as to bank charges law to deter the average claimant from pursuing their claim beyond the first letter or phone call.
Bank refunds have also become more difficult to achieve since a November 2009 Supreme Court ruling on bank charges law declared that overdraft charges were not automatically unfair or even unlawful.
There is a great deal of confusion relating to bank charges law at the moment, with claims and counter claims seemingly exaggerated by both sides. The banking faction would like to deter the claimant from initiating a claim in the fist place, while the claims industry often makes unsubstantiated or exaggerated promises concerning what it can deliver to the victims of excessive bank charges.
We cannot help with this here at Claims Financial, but we are specialists in helping people with mis-sold PPI. If you were wrongly sold a Payment Protection Insurance policy, we may be able to help you.
Claims Financials specialists make it their business to keep abreast of the rules of mis-sold PPI and can pass on that knowledge and experience to you free of charge. If you feel you may have a PPI claim against a lending institution simply complete the form and our advisors will be in contact with you shortly to discuss your options.
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