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THINK YOU HAVE A CLAIM? Start your application today!
If you have defaulted on your credit card then you will know that credit card fees can be expensive. Chances are, however, you have been overcharged for your late or missed payment and are entitled to a refund. Our team of claims management specialists are helping thousands of consumers reclaim credit card charges. Claim back credit card charges with Debts.org and let us recover £00s or even £000s in unfair credit card charges.
We will take on your credit card company so you don’t have to and deal with the entire claims process from start to finish. We operate on a strictly no win no fee basis so you have nothing to lose and only cash to gain.
Start applying for your credit card refund today using our online form, or contact us on the number above.
Breaching your credit card contract by exceeding your limit or making a late payment will incur a charge. Did you know, however, that the charge must reflect the cost incurred by the credit card company? Any charge, which is inflated over a sum reasonable for your breach of contract, is not enforceable by law. Why then do credit card charges of £25+ get applied to your account when less than half that sum would be more accurate? The answer is simple, credit card companies can passively exploit their customer’s ignorance of the law.
Charges which exceed costs incurred by credit card companies are not enforceable under Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.
Banks, however, argue that charges are a fee for a service, and therefore an exception to s15 of the Supply of Goods and Services Act 1982. (Section 15 states all charges must be ‘reasonable’.)
Your credit card company cannot do anything without putting it in your statement. Which means you have every opportunity to dispute a charge in the event a purchase transaction is returned, you exceed your overdraft or make a late credit card payment. Therefore it pays to pay attention to your credit card statement before filing it in the sock drawer.
You will most likely find charges under the ‘new transaction’ section of your bill. While you are checking for any charges you may have incurred, it is always worth casting an eye over your interest rate – it may have gone up without you realising, prompting a transfer to a more competitive card.
Under the Data Protection Act you are entitled see a copy of charges incurred on your bank or credit card account. Unlike bank charges, where cases made against banks have been put on hold pending the outcome of the test case, you can still appeal for credit card charges to be refunded. You are entitled to claim back credit card charges for the previous six years, so ensure you request details backdated to 2003.
To obtain a comprehensive list of credit card charges, write a letter of request quoting the Data Protection Act.
Since the Office of Fair Trading stepped into the matter of unfair credit card charges, consumers have not only become aware of the issue but have been successfully claiming compensation. You can reclaim credit card charges for the past 6 years but don’t worry if your statements don’t go back that far because for a small admin fee, your bank is obligated to provide you with the information you need.
You can start reclaiming credit card fees even if you no longer hold an account with the card provider and if you still have the card with debt outstanding, your compenation can go towards reducing the money owed. Chellenging credit card companies can be present a tough proposition and many people find dealing with large corporations a little intimidating. Our skilled claims management experts are ready to challenge your credit card company so you don’t have to.
Debts operate on a strictly no win no fee basis which means you have nothing to lose should your claim for a refund be unsuccessful. Because we know the law, however, our team of claims specialists will not allow your claim to be dismissed and promise to persue your credit card company until a full refund or satisfactory outcome has been reached.
Contact us online to start your claim or call 0800 520 0923.
