Claim Bank Charges Back - Helping you to reclaim Unfair Bank Charges!

Have you been paying care home fees when you don’t have to?

CLAIM NOW http://www.claimsfinancial.co.uk/care-home-fees/care-home-fees-enquiry.a...

If the care home resident has been diagnosed with certain medical disabilities then you may not have to pay a penny. Re assessments can go back to 2004 so even if the resident is deceased the estate may can claim back the costs that have been spent.

The costs of residential or nursing home care will usually be funded from a variety of different sources. If the council agrees to move someone into a care home it may pay for part of the fees or for a limited settling-in period.
This often depends on income level and savings. A sort of “Means test”.

If the person is assessed as needing nursing care The NHS may also make a contribution. In some circumstances, care may be fully paid for by The National Health service.

The financial aspect of a person living in a care home is complicated and unfortunately with budgets stretched as they are, the different organisations involved are hardly queuing up to hand people money. Sorry, you have to battle sometimes to get what is legally yours. If you have someone you love in a care home with medical problems you may be able to obtain a refund for much of the money you have shelled out.

You may even have sold a house to pay for care home costs.

This is largely a legal matter and from a medical point of view it is a minefield in terms of what the Primary health trusts deem to be admissible for funding. To try to obtain a refund and nil future costs you can apply to the appropriate organisation in one of two ways. Firstly you can engage a firm of solicitors on your behalf. Be very careful as costs can easily be thousands of pounds and you will have to pay even if the appeal is unsuccessful
The other way is to use a specialist firm who will work on a no-win, no fee basis.

Apparently 6 million people downloaded the forms from Martin Lewis' website to reclaim bank charges and in December the Supreme Court decided that the OFT could not rule that charges were unfair. If the decision had gone the other way there may have been refunds of up to £10 billion.

There is however fresh hope because both the Govan Law centre and Money Savings expert are suggesting cases still be brought under different legislation (the Consumer Credit Act) and prospects seem quite good. In fact they won their first case but there is some distance still to travel in the courts.

Don't delay in claiming back ALL your charges Today. www.claimbankchargesback.co.uk

Great news folks……A new legal challenge against the banks has been mounted and it could be successful! If you haven’t yet put in a claim for unfair bank charges do it now. Click the coupon on this page and you might get money back from your bank with no costs even if you don’t.

In November last year The Supreme Court ruled in favour of the banks and effectively thousands of bank customers-like you- were told that no refunds would be made.
And guess what happened next………………? The banks awarded themselves billions of pounds in bonuses. And who do you think is paying for those bonuses? You are.

Now a new challenge has been made by a customer of The Govan Law centre in Scotland. A lady has been able to challenge the Supreme court ruling under The Consumer credit act.
It is The Bank of Scotland that faces this new legal challenge that its charges are excessive and unfair.
A spokesperson for the Law Centre said ”This is a potentially devastating case for them to answer because in this new situation the onus of proof is on the bank to demonstrate that that their charges were not unfair.”
The above case will go to a full trial on June 11th.

Remember you can also make a claim for refund of many credit card charges and Payment protection insurance.
Fill in the application form on this page and get your claim in now.
If we don’t succeed you pay nothing.

“Scotland The Brave” should be our rallying cry because The Govan Law centre in Scotland has been able to mount a claim against The Bank of Scotland for unfair and excessive bank charges.

IF YOU HAVENT MADE A CLAIM FOR BANK CHARGE REFUNDS DO IT NOW BY COMPLETING THE FORM ON THIS PAGE.

Your claim will be handled by specialised legal people who work strictly on a No win-No fee basis.
What have you got to lose?

The above case is brilliant news for thousands of people. Let us recap on what has happened so far…………..
* We don’t know exactly but maybe a million people have claims outstanding for the return of their unauthorised overdraft charges.
* Last November the Supreme court ruled in favour of the banks effectively rejecting most of these claims with only a relative few hardship cases succeeding.
*Claims that were on hold in the court system will probably be filed away as “No action” too.

So what has happened that might change everything?
Although the Bank of Scotland’s legal team opposed the challenge The Sheriff has allowed a claimant to amend her previous claim in the light of The Supreme court’s judgement.
The heart of the argument is that it was unfair to have been charged £750 overdraft charges because the charges had been used not only to settle the claimant’s account but to subsidise the cost of the bank’s free current account service to those customers who stayed in credit. Can we succeed? Yes we can! Claim now.

Banks win Supreme Court case on “Unfair bank charges”

Have you ever watched Judge John Deedes on the telly? It is interesting how the government always tries to interfere and influence judicial decision making.
Is that what Gordon Brown and his cronies have done with this case?
With labour owning a big stake in the banks, who knows.... one thing is for certain, everyone is very surprised.
However, before you cry “We’ve been done” consider what happens now and particularly “Will I get my money back?”

The unfair bank charges case is not done and dusted as the banks’ lawyers would like you to believe. No Sir! (Or madam)
We believe that there is light at the end of the tunnel .
Next month the Office of Fair Trading will make a major announcement and give us plans as to what they intend to do about the judgement which they are as shocked about as we are.
The Supreme court has ruled that The Office of Fair Trading can appeal again under another section of the Unfair Terms of contracts regulations.

The Financial Services Association is another important body with a finger in the pie. They have said that the banks must now start processing all the complaints that have been put on hold.
What action should you take?
In our opinion you should make an application now if you haven’t done so yet. Complete the application form on this page and get the ball rolling.
Also consider possible refunds from credit card charges, payment protection insurance and mortgage exit fees. Again, you can tick the boxes on the application form and an info pack will be with you in a few days.

We feel quietly confident that you will get a cheque for some of the above bank charges…As the advertisement says “You’re worth it”
Remember, if we don’t succeed with your claims, you pay nothing so
please fill in the application form now.

Bank refunds decision by The House of Lords on Wednesday

Wednesday November 25 2009 is when the Judgement on bank refunds will be made by The Supreme Court.
The final ruling on bank refunds will decide whether The Office of Fair Trading has the authority to determine whether bank charges are fair or not.
If the banks lose in The House of Lords then it is unfortunately possible that legal arguments will be advanced by the banks’ well heeled lawyers and Barristers.
Are they playing for time or what?
There are nearly a million good people who are wanting their unfair bamk charges refunded. On average each customer pays the bank, one way or another, £154 per year. Can you believe that?
But isn’t it also interesting that the banks are paying themselves millions in bonuses…………from your unfair bank charges.
The bank charges judgement will be given on Wednesday November 25 2009 at 9:45am :-
Office of Fair Trading (Respondents) V Abbey National PLC and others.
The Office of Fair Trading has previously ruled that bank charges should be investigated. This is specifically related to the high level of charges and the way that they are collected.
Seven banks and one building society have challenged the two previous rulings . Apply for a refund before it is too late. Complete the coupon on this page now. Christmas is coming. Your bank charges refund cheque could be coming too.

Bank refunds decision by The House of Lords on Wednesday

Wednesday November 25 2009 is when the Judgement on bank refunds will be made by The Supreme Court.
The final ruling on bank refunds will decide whether The Office of Fair Trading has the authority to determine whether bank charges are fair or not.
If the banks lose in The House of Lords then it is unfortunately possible that legal arguments will be advanced by the banks’ well heeled lawyers and Barristers.
Are they playing for time or what?
There are nearly a million good people who are wanting their unfair bamk charges refunded. On average each customer pays the bank, one way or another, £154 per year. Can you believe that?
But isn’t it also interesting that the banks are paying themselves millions in bonuses…………from your unfair bank charges.
The bank charges judgement will be given on Wednesday November 25 2009 at 9:45am :-
Office of Fair Trading (Respondents) V Abbey National PLC and others.
The Office of Fair Trading has previously ruled that bank charges should be investigated. This is specifically related to the high level of charges and the way that they are collected.
Seven banks and one building society have challenged the two previous rulings . Apply for a refund before it is too late. Complete the coupon on this page now. Christmas is coming. Your bank charges refund cheque could be coming too.

Unfair bank charges ruling is this Wednesday

Don’t delay claiming your unfair bank charges. The Supreme court will finally make its judgement on Wednesday 25 November.
The decision will be whether or not The Office of Fair Trading is empowered to decide whether bank charges are OK or if they are dodgy.

More than 850,000 people have already put in claims for the refund of unfair bank charges.
If you haven’t done so yet, then take a step today towards your refund by completing the coupon on this page.
Your claim can go back 6 years but that’s an awful lot of paperwork and presenting the right documents to the bank, Isn’t it?
It is probably a good idea to use the services of a specialist company to do it all for you. And they will charge you nothing if there is no refund.
People in financial hardship may be able to receive a refund now but for most of us we will have to wait until Wednesday.
If you haven’t made a claim complete the simple coupon on this page and or Claims Company will send you, by return an info pack everything you need to know to get the ball rolling.
This is something you should do when your heart says “Do it”
And isn’t that now

Free banking. What free banking?

Never in our recent British financial history have we seen the banks in such a pickle…..
Foreclosures. Bail outs with billions of tax payers’ money. New banks spawning like takeaways. Bonuses and dirty tricks by the bank managers.
Where will it all end?

A leading national newspaper declared this week “The age of free banking draws to a close”
But the question is : “Has there ever been truly free banking?”
This is how the system works.
First you join a bank and like millions of others never think to switch and after a time are blissfully unaware of the charges that you are paying.
In most cases you can ask for a bog standard account which provides you with a debit/cash card and apparently that’s it.
You then become embroiled in the bank’s shenanigans of moving you up to an “Added Value” account.
For example, Lloyds TSB can give you for free a CLASSIC account. But before too long you are enticed and encouraged to move up to a fee paying account which offers you this benefit or that.
Check carefully what you are getting because these benefits may not represent much at all.
So at Lloyds TSB for example you can move from nothing to £7.50 all the way through to £ 25 a month. Just like that.
That’s a huge amount of money.
But back to the so called free account like the classic I have used as an example. Other charges kick in and this is where the banks prosper.
For example, if you exceed your overdraft limit without agreement you can be charged as much as 30% of the amount overdrawn.
There are other bank charges which may apply. A big one is payment protection insurance where the bank or other provider encourages you to take out this insurance against a loan. In many cases you could never claim against such a policy. Frankly, you have been diddled.
Fortunately you can recover many of these so called unfair charges that go back 6 years. Yes you can!

The big banks are breaking up…………..How does this affect my claim for repayment of unfair bank charges?

Our friends in Brussels have told us that we have to cut RBS and Lloyds TSB down in size as a quid pro quo for receiving the state aid last year.

And if you might have forgotten it was a multi million pound package.

Gordon Brown and his minions are presenting the sale as a bonus or payback for us taxpayers but we most certainly doubt that! The Labour Government only takes your money and spends it on their social engineering schemes. “Payback”….Don’t hold your breath.

In the plan The Royal Bank of Scotland and Lloyds will be split up. Cheltenham and Gloucester will be sold and three new banks will hit the high street. Virgin money and Tesco are hot favourites for these businesses.

Increased competition would be good for the customer and “Added value” fees may not be an automatic necessity if you switch. However, our question is this…Will the break up of the banks mean that the repayment of unfair bank charges be delayed or cancelled altogether?

The answer is that most probably the Law Lords ruling will proceed as planned but the logistical side of it re the actual repayment might be a minefield.

Our advice to you is to use a Claims company who can expedite the process for you. If you have not claimed back unfair bank charges for the last six years may we suggest that you complete the application form on this page to get the ball rolling.

Do it now.