Frequently Asked Questions

How long will it take?

Bank Charges are on hold pending the House of Lords Judgment and the Office of Fair Trading's decision. No one knows but experts suggest that refunds may be paid in the next 3-6 months. Regardless of this, please lodge your claim as soon as possible as time limits apply.

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 and Loan Accounts. See Credit Card Charges

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 simply refer it to us.

What if the bank refuses to cooperate?

We are experts at dealing with the banks and have factored this into our processes.

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.