Credit Card Charges FAQ
Frequently Asked Questions about unfair credit card charge claims
How much do I have to pay for a claim?
We work on a No Win No Fee basis. In the likely result
of a successful claim our fee is 25% + VAT.
How long does a credit card charges claim
take?
Your credit card company must issue a response within 8 weeks of
hearing from us. This might be a final response or a letter
explaining that they require more time. Be assured that we chase
them every step of the way so that your case is resolved as
promptly as possible.
Will a claim effect my credit rating?
No. Banks and credit card companies can't put a note about your
reclaim on your credit reference files.
What happens if my claim is rejected?
Claims Financial will dispute any unsatisfactory decision, be it
a low offer or an outright rejection; we work in your best
interests to bring the claim to the best possible conclusion.
What should I do if the credit card company phones or
writes to me regarding my claim?
Please contact us straight away so that we can give you further
instructions. If you receive a letter we may ask you to forward it
on to us.
How do I find out about the status of my
claim?
Feel free to contact our specialist team and they will be able
to provide you with an update on your claim. We will, of course,
inform you if any refund is forthcoming.
My account has been credited with a refund, what should
I do?
Please contact Claims Financial immediately and make sure not to
spend/transfer the funds until further notice. This may be an
interim payment and as such your claim could still be ongoing.
How will I receive my refund?
This depends on the credit card company and your circumstances.
Usually a payment is made directly onto your credit card from the
credit card company. If not, a cheque will be sent to you either
from the credit card company or Claims Financial.
I am on a debt management program; can I still make a
claim?
Yes you can, but please inform us of your situation before
submitting your claim. Please also be aware that the credit
card company may use the refund to reduce the outstanding balance
you have with them.
Claims Financial