1260345698 http://www.debts.org/ en info@debts.org Copyright 2009 2009-09-30T10:46:00+00:00 http://www.debts.org/index.php/index/debt_specialist/ http://www.debts.org/index.php/index/debt_specialist/#When:10:46:00Z If you are looking for a debt specialist in the UK, make sure you contact a regulated company who can give you free advice and help. A finance specialist will help you to eliminate money problems from your life. Debt management companies can help you with a finance plan, which will also help you to budget. Priority payments and bills should always be addressed first, and If you can´t arrange your own finances, a debt counsellor will be able to help you. Specialist advice for debt management Personal debt in the UK is a major problem for the British economy, and a trained professional will be able to guide you through the procedure of money management, with a minimum of fuss and hassle. If you are already having talks with a loan specialist or a money specialist, make sure they are from a regulated UK company. A specialist advisor will be able to explain the advantages and disadvantages of debt management plans, and give you free advice about Individual Voluntary Arrangements (IVAs) and explain other options. Get out of debt You can get out of debt by sticking to a strict budget at home before contacting a specialist company. You can reduce bills by switching your mortgage, changing utility providers and cutting shopping costs at the supermarket. Take a long, hard look at your finances and if you need professional help, ask for advice. A regulated company can contact your creditors for you to try and arrange a debt management plan, and stop creditor harassment immediately. If you have bad debt loans, you may need financial counselling, to overcome your problems. Once your creditors have been contacted, they may write off a certain amount of money owed to them, or come to an agreement where you only pay off an affordable amount each month. Interest on money owed can be frozen or reduced to give you some breathing space. However bad your debts are, there is always a solution. Debt management companies Debt management companies can help and advise you, and point you in the right direction to help solve your money problems with a minimum of fuss. Although you can attempt to go it alone and contact your creditors without the help of a specialist company, your creditors are much more likely to look favourably at a proposal of reduced payments if a professional company submits it to them. If you feel awkward or embarrassed about contacting your creditors, let a management company do it for you, and you can enjoy peace of mind and a financially secure future. Can you get me out of debt? If you need serious help, and your finances are no longer manageable, you may be able to apply for an IVA (Individual Voluntary Arrangement), or bankruptcy. Both are formal and serious options, but they could see you back on your feet within 12 months. A debt management plan would normally be recommended to people who owe less than £15,000, and is much less formal than an IVA or bankruptcy. An agreement would be made between you and your creditors, whereby you make one monthly payment to help eliminate debt.  You pay back less than the original amount owed, and avoid creditor harassment, by paying off an agreed amount each month. You could normally expect to be back in the black in 2-3 years if you apply for a money management plan. The loan trap and debts If you are already suffering money problems, don´t fall into the loan trap, and never borrow more money than you can afford to pay back. Seek help to clear your debts from a specialist company, and stop spending on credit cards immediately. It may be tempting to apply for another bank loan, but you will never clear your problems will get worse if you continue to borrow money with high interest rates. If you have money problems, seek the help of a regulated company who will guide you through the money management process smoothly and without hassle. Never think you are alone with your financial problems.  A trained counsellor will be happy to help you eliminate debt by arranging an affordable plan of action. Debt Specialist 2009-09-30T10:46:00+00:00 http://www.debts.org/index.php/index/how_to_save/ http://www.debts.org/index.php/index/how_to_save/#When:09:15:00Z How to Save: 11 Saving Strategies Saving is something of a luxury in the current climate when every penny is priceless. Paying a mortgage is obviously a priority and with rising inflation adding an additional squeeze on your purse, you’d be forgiven for wondering, “how can I save money?” Allow us to answer that question with our 11 saving strategies: How to save money 1. Tax Free Savings Consider moving your assets to a spouse if they have unused tax credits. Each partner can save up to £4,895 a year before it becomes liable to income tax. This also applies to same sex relationships. Open a Cash ISA, which provides a great way of saving without being subjected to tax. 2. Best Savings Interest Rates Shop around for the best interest rate deals on the market. Competition is such that there will always be a better interest rate at some stage during your savings’ lifetime. Check out other offers on a monthly basis and consider moving your money to take advantage of introductory offers that have the best interest rate deals. 3. Savings Income Carefully choose at which times you reap the rewards of your investments. Income payments can vary and you may be able to receive payments monthly, quarterly or annually. For the best interest rates try to take payment yearly. What is more, choose a time of year where your expenditure is highest, ie, Christmas. 4. Spread Savings If you have a considerable sum saved with one bank, ie more than £50,000, you should distribute your nest egg to more than one provider. Banks are flirting with bankruptcy and buyouts like never before and while helped by the government’s £25bn bailout in Oct 08, many are still unable to guarantee your savings are safe. Gordon Brown promised only the initial £50k of savings is insured (£70k for joint accounts), so if your bank goes under, so too does your rainy day fund! 5. Play a Sweeper Ask your bank to sweep your account. Most banks, building societies and credit unions can arrange to have any money in your current account one day prior to payday swept into your savings account. Not only is it a convenient service but also it gives you an added incentive to spend below budget each month/week. Some banks, most notably RBS and Natwest will charge an annual fee for the service. 6. Save Your Change It started with Lloyds TSB but now more banks are helping you save by overcharging you for debt card purchases. How does this work? Well, your bank will round up every debit charge to the nearest pound, so if you buy a train ticket for £6.55, your bank will deduct £7 from your account and put the 45p difference into a savings account. This can prove to be a very rewarding over the course of a month. 7. Cashback Credit Cards Cashback credit cards are nothing new but not many credit card providers send you a check for cash rewards on purchases. At time of writing it is understood only Leeds Building Society operate this way instead of adding the money onto your card. What does this mean for your savings? You can put the cheque into a savings account instead of your credit card. You may be better paying off your credit card before you contribute to a savings account. Visit how to manage your credit card for some must have information. 8. At the Supermarket If you are a regular shopper at Tesco or Sainsbury’s, you may want to consider opening a savings account at one of those supermarkets. Tesco and Sainsbury’s have developed a range of financial products over the past few years and are preparing to open current accounts in the near future. One way you can make shop and save is to have any additional money left over from your shopping paid into your savings account. Say, for example, you budgeted to spend £100 on shopping but the bill came in at around £87, you could have the remainder paid into your supermarket savings account with one swipe of your debit card. 9. Co-op Cash If you are a regular customer at one of Co-operative’s wide and varied consumer divisions – finance, funeral, travel and food – you could stand to benefit from their reward scheme. The Co-op rewards its members with points whenever they shop at any of the above divisions. Points make prizes, but they can also make savings if you turn you points into pounds and put your new wealth into a savings account. In 2007, the Co-op awarded a 1.43p per point cash dividend to its 2.5m members. 10. Stand Up and Be Counted A standing order can be a simple and effective way of putting aside a little something every month without you noticing it. What you can afford to set aside depends on many things, not least your salary, commitments, debts and lifestyle, but by detailing your outgoings you should be able to identify areas on which you can cut back. Even a modest regular saving of £25 can grow in the right account. Shop around for the best interest rates for your money. Download our free budgeting guide by clicking here. 11. Deposit for Your First Home NatWest was the first to open a Home Saver Account that is designed to help people save for the deposit on a house. The First Home Saver Account pays £125 on savings of £500, rising to £5,000 on savings of £50,000. The first condition is that the account must be opened at least six months before buying your first property. The second condition stipulates that you must be prepared to make regular payments of at least £50. The third condition is the biggest drawback of all because the money saved can only be used for a NatWest mortgage – which may not suit you.  How to save 2009-05-29T09:15:00+00:00 http://www.debts.org/index.php/index/about_mortgage_exit_fees/ http://www.debts.org/index.php/index/about_mortgage_exit_fees/#When:11:19:00Z HAVE YOU BEEN OVERCHARGED? Apply for a refund today!Reclaim Mortgage Exit Fees – Get a refund!Have you recently switched mortgages or repaid your mortgage ahead of term? If yes, you probably paid a mortgage exit fee or early redemption penalty and stand among thousands of consumers who have been unfairly penalised for exiting your mortgage early.Our claims management team are currently handling cases of injustice by banks and mortgage lenders towards their customers and winning £100s in refunded mortgage exit fees.If you would like our claims management specialists to contact your bank on your behalf then please complete the online form or call us on the number above.We operate on a strictly no win no fee basis and charge a flat fee for a compensation received.What is a mortgage exit fee?A mortgage exit fee is an administration charge for the early closure of your mortgage agreement. If you are fortunate enough to pay off your mortgage short of the full term or want to transfer your mortgage to another provider, you may be liable to pay an exit fee.Up until four years ago, a mortgage exit fee was usually static at around £70. However, in 2004, the Alliance & Leicester sparked an unprecedented rise in mortgage exit fees by making an increase of 300% in just two years. Other banks sensing a money making opportunity were quick to follow suit and by 2005 most had hiked up their exit fees, some to almost £300.The true cost of an exit fee is estimated around £50 – which pays for minimal administration costs. Unfair Mortgage Exit FeesWhether exit fees are unfair largely depends on your terms and conditions. For many customers, their banks were increasing mortgage exit fees way beyond what was specified within their original mortgage contract. In other cases, banks were imposing a fee that was not included in the original mortgage contract.The Financial Services Authority – a body established to protect investors’ interests – recently decided to take action against banks over mortgage exit fees. As a result, the FSA have ordered some banks/building societies to cut fees as well as ordered many to refund customers.Hall of Shame – raised mortgage exit fees 2004/05Some of the worst offenders of inflated mortgage exit fees:Halifax £100 to £175 Abbey £125 to £225 Nationwide 0 to £90 Cheltenham & Gloucester £45 to £225. Northern Rock, NatWest, Royal Bank of Scotland and Woolwich raised fees by £100. However, it was the Alliance & Leicester who proved to be the worst offender with a 300% exit fee increase over two years to £295.How to Reclaim Mortgage Exit FeesDebts.org is successfully reclaiming mortgage exit fees for consumers who know their entitlements and took the appropriate action. If you signed a mortgage agreement pre-2005 but paid a higher exit fee than agreed on your contract you are entitled to a refund.Similarly, if you were charged a mortgage exit fee when no mention of such a penalty was given in your contract, you are also entitled to a refund.To reclaim unfair mortgage exit fees:1) Check your original mortgage agreement for exit fee confirmation. 2) If you paid a higher exit fee than that stated in your contract, call us on the number above or contact us using the online form. 3) If you paid a mortgage exit fee and no such penalty was included in your original contract, call us on the number above or contact us using the online form.We have a fantastic record of recovering mortgage exit fees for our clients and you could be receiving your cheque within 30 days. We look forward to helping you. About Mortgage Exit Fees 2009-05-13T11:19:00+00:00 http://www.debts.org/index.php/index/reclaim_bank_charges/ http://www.debts.org/index.php/index/reclaim_bank_charges/#When:11:15:00Z Bank Charges – recoup thousands now! Banks have been exploiting customers for years with charges of around £25 for exceeding an overdraft or having direct debits and cheques returned unpaid. Now the law says charges over £12 are unfair and can be claimed back over six years. You may already know that most bank charges claims are on hold due to an ongoing court case, but did you know you are entitled to reclaim bank charges now if you are in financial hardship? Am I in financial hardship? The Financial Services Authority said: “A complainant is considered to be in financial difficulty when his or her income is insufficient to cover reasonable living expenses and meet financial commitments as they become due.” Financial commitments include bill payments; such as utilities, credit cards or mortgage payments. We do all the work for you. Legal arguments can bog down the reclaiming process but our experts’ knowledge of the financial industry gets results. Start reclaiming six years of unfair bank charges today by completing the online form or calling us on 0800 520 0923. Our well friendly staff at our call centre are waiting to take your call between 8.30am-9pm Mon-Fri and 10am-5pm Sat-Sun. Our promises to you: 1. Professional claims service – comprehensive service no matter how small the claim 2. Intensive follow up procedure – we tirelessly pursue your bank for compensation 3. Legal expertise – we won’t be fobbed-off by your bank’s legal objections 4. Bank and beyond – we are prepared to take your claim to the Financial Ombudsman 5. No-win no-fee service – there is no charge if your claim is unsuccessful 6. Competitive commission – we only charge 23% + Vat for successful claims Prove you are suffering financial hardship by submitting any of the following: Bank/credit card statement P45 Redundancy letter Special payment plan document, or Letter from a debt adviser Returning any of the above documents to us with your application pack will help us provide you with a faster service. So why wait? Complete the form and let’s get started! 2009-05-13T11:15:00+00:00 http://www.debts.org/index.php/index/about_payment_protection_insurance/ http://www.debts.org/index.php/index/about_payment_protection_insurance/#When:11:15:00Z THINK YOU’VE BEEN MIS-SOLD? Start your application today!Are you paying premiums on a payment protection insurance policy which you believe may have been mis-sold and would like to make a PPI claim? Let our team of specialists reclaim PPI on your behalf and we will contend with your PPI provider for full compensation. We are winning PPI refunds for thousands of consumers who were victims of PPI misselling. If you can can answer ‘yes’ to any of the following questions you too can receive full compensation:1) You were unemployed at time of taking out a policy. 2) You had a medical problem that endangered your ability to work. 3) The PPI cost implications and calculations were not explained. 4) The fact your loan term exceeded the lifetime of your insurance policy was not explained. 5) You were above the age limit (usually 65- 70) at time of taking out the PPI. 6) You were not asked about other payment protection policies already providing cover ie, income protection. 7) You bought a ‘single premium’ insurance policy whereby you paid interest on the policy at the same rate as the loan. 8) The loan providers insisted you took out a PPI with them or forfeit the loan. 9) The company that provided the policy cannot prove you requested a PPI. 10) You felt pressured into taking out PPI.Start your claim today by calling us on the number above or by completing the online form.What is PPI?Payment Protection Insurance is designed to cover you should you be unable to make payments on a finance product due to illness, injury or unemployment.If you have loans, credit cards, store cards or other finance agreements, chances are you have been sold a PPI policy. In many cases you may not recall taking out a PPI policy, but many providers make PPIs a compulsory part of their lending, so it is always worth investigating.What is a mis-sold PPI?Debt.org has become increasingly aware of large scale PPI misselling. In many cases PPIs are sold to people who cannot enjoy the cover benefits. In addition, virtually all policies are overpriced and tightly worded to make eligible claims difficult to achieve.PPI won’t cover you if you are:Unable to work due to an undeclared medical condition Unemployed at time of taking out policy Self-employed and cannot work Retired at time of taking policy Incapable of working due to stress or back problems.* * The most common reasons for being unable to work.PPIs offer poor value for money because any potential benefits are usually outweighed by the cost of having a policy. PPIs are often compulsory, but even in cases where they aren’t, the policy can be added to your loan (known as ‘single premium’) and not paid separately. Single premium means you not only pay interest on the loan but on the insurance policy too. If you have a loan of say £50,000, a PPI on top can add as much as £12,000. The Office of Fair Trading and the Financial Services Authority are jointly investigating the PPI market. The OFT has said only 1 in 5 PPI claims are successful, raising the need for an overhaul in they way policies are sold to the public.Who is eligible for a PPI refund?Whether you can claim a PPI refund depends on when you took out the insurance policy. If it was before January 2005, PPIs were not regulated by the FSA. This makes claiming more difficult but not impossible. If your PPI policy is post-January 2005, you are supported by the FSA and we have the best chance of a PPI refund – especially if you are ineligible for any of its benefits.How do I make a PPI Claim?If having considered the above criteria, you believe you have been mis-sold a PPI policy you have every chance of making a successful PPI claim. Debts has an excellent record of reclaiming payment protection insurance and our team of claims managment specialists are on hand now to take your case. Please complete the online form or call us on the number above and start your claim for compensation today.We operate on a no win no fee basis and our low commission makes us the most competitive claims management company in the business. About Payment Protection Insurance 2009-05-13T11:15:00+00:00 http://www.debts.org/index.php/index/about_credit_card_fees/ http://www.debts.org/index.php/index/about_credit_card_fees/#When:11:13:00Z THINK YOU HAVE A CLAIM? Start your application today!Credit Card Fees – Get a refund!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.Credit Card Fees and the Law 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’.)Where to Find Charges on StatementYour 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.Fees Backdated 6 YearsUnder 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.Reclaim Credit Card ChargesSince 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.No Win No Fee and Nothing to LoseDebts 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. About Credit Card Fees 2009-05-13T11:13:00+00:00 http://www.debts.org/index.php/index/bank_charges_hardship_rule/ http://www.debts.org/index.php/index/bank_charges_hardship_rule/#When:11:09:00Z CAN’T PAY YOUR BILLS? Make a claim today.Unfair Bank Charges - The Hardship RuleUnfair bank charges claims remain on hold until the court case is resolved and sadly that may not be until the end of 2009. Unfortunately for most people this means their unfair charges claim is either in the queue at their bank, filed with the Financial Ombudsman Service or in the cases pending folder at the county court.Yet there is still a way you can get your bank to deal with your claim now. The Financial Services Authority (FSA) in July last year – after much lobbying by campaigners – made an exemption to the current stalemate in the form of a hardship rule.The hardship rule exemption means people in financial difficulty can have their claim dealt with by their bank now. It also means that the FOS will deal with your complaint as normal, exempt from the waiver imposed by the FSA.The bank charges hardship rule has actually been in place since July 2007 but the earlier draft allowed banks to simply refuse to deal with the claim by refuting the customer’s claims of financial hardship. As a result of the rule being tightened in July 2008, however, banks were forced to process claims made by people in genuine financial difficulty irrespective of the waiver. Definition of Financial HardshipThe FSAs definition of financial hardship is crucial to your chances of making a successful bank charges claim. “A complainant is considered to be in financial difficulty when his or her income is insufficient to cover reasonable living expenses and meet financial commitments as they become due.”In short, this means you can no longer pay some of your bills, such as utilities, mortgage, loan repayments or council tax. As a result of the pressure applied by the FSA on banks to recognise genuine hardship cases, people have been successfully reclaiming £1,000s. Between 27 July 2007 and 31 August 2008, there were 68,000 hardship complaints – representing an average of 15,600 every three months. However, after the hardship regulations were revised, there were 29,000 complaints for the three-month period between 1 September and 30 November.Am I Eligible for the Hardship Rule?If you fit the above criteria because you are unable to pay some of your bills, then you stand a good chance of reclaiming unfair bank charges under the hardship rule.You can apply for a bank charges refund even if you have already lodged a complaint with your bank, contacted the FOS or have taken it as far at the county court. You can make a new claim now even if you weren’t in hardship when you first applied.A word of warning: because you are experiencing financial hardship does not mean the bank is obliged to refund your charges. Some do on the basis of a goodwill offering, while others have refused. Debts.org always take the claim as far as the Financial Ombudsman Service where we have a very good record of winning compensation.Guidance provided by the Financial Services Authority states that anyone with bank charges of more than £500 per year are automatically considered to be in financial hardship.Unfair Bank Charges – Proving Hardship Banks have a responsibility to consider each hardship appeal on a case-by-case basis during the waiver period. Most people with basic bank accounts have a history of financial problems though mismanaging their money. Therefore it stands to reason that if you have a basic bank account, this will increase your chances of receiving a refund.Proving financial hardship is also easier if you can provide us with:1) A letter from a debt counselling service 2) P45 3) Notice of RedundancyBank Charges You CAN ClaimCheque return fee Card misuse fee Unarranged borrowing fee Unauthorised overdraft fee Unpaid DD fee Unpaid cheque fee Unpaid standing order fee Exceeding Authorised Overdraft Limit Exceeding Unauthorised Overdraft Limit Direct Debit/Standing Order/Cheque returned fee Irregular fee Paid referral fee Total charges (HSBC personal accounts only, not business accounts) Credit Card/Store Cards/Catalogues Late payment fee Over limit fee Bank Charges You CANNOT ClaimCash Machine Withdrawal Fees (ATMs) Account Service Charges Service Fee / Annual Fee Charges related to foreign currency transactions and conversions. Monthly account fees on certain type of accounts (such as RBS Royalties) Normal overdraft interest chargesReclaim Unfair Bank Charges – The LawThe legal argument for reclaiming unfair bank charges is based on your terms of agreement with a bank or credit card company. Breaching your credit card contract by exceeding your limit, for example, can incur a charge enforceable by the courts. Critically, however, the sum must only reflect the cost incurred by the finance company. If they sent you a letter informing you of a breach, you are liable for the cost of stationery, postage and labour.Until recently, credit card companies, banks, mortgage lenders and insurance firms have been charging fees far in excess of actual costs incurred, without opposition. Last year, however, the Office of Fair Trading ruled that credit card companies should not charge more than £12 for default charges.The announcement not only put pressure on companies to justify higher charges, but also underlined consumers’ rights.Since the OFTs ruling, current account holders and credit card customers have been successfully reclaiming unfair charges from their providers. Section 15 in the Supply of Goods and Services Act 1982, states all fees for any ‘service’ must be ‘reasonable’. Therefore it does not only apply to credit cards and current accounts.You are entitled to reclaim unfair charges on any of the following:Current accounts Credit cards Mortgage exits Mis-sold insurance policies, and Business bank accountsWhenever you bounce a cheque, exceed your overdraft limit or have a direct debit returned, your bank is entitled to charge you for breech of contract. (See your terms and conditions). What they are not within their rights to do, under s15 of the Supply of Goods and Services Act 1982, is charge you an unreasonable sum.Bank and credit card charges should reflect the cost incurred by the company for your breach of contract. A returned direct debit usually carries a charge of £30, however the cost to the bank is usually more like £3 if you consider stationary, postage and minimal labour costs. Similarly, credit card defaults usually incur a charge of £25, but again the true cost should be around £12.Inflated charges are considered unreasonable under the above legislation as well as under Unfair Terms in Consumer Contracts Regulations 1999 and Unfair Contract Terms Act 1977. Knowing and quoting legislation will add serious weight to your claim.The test case in the high court due to be concluded around Easter, is set to determine if banks can continue with the existing level of charges. A decision against the banks would mean customers can have unfair charges refunded spanning the previous six years. To prevent this from happening, which would also result in the loss of billions of pounds of bank revenue, bank firms have recruited the crème de la crème of legal representatives. Banks and their legal teams argue bank charges are an exception to s15 of the Supply of Goods and Services Act 1982, and therefore fair and legal. Keep up to date with proceedings at Bank Charges Update. Bank Charges Hardship Rule 2009-05-13T11:09:00+00:00 http://www.debts.org/index.php/index/unfair_bank_charges_thank_you/ http://www.debts.org/index.php/index/unfair_bank_charges_thank_you/#When:11:01:00Z Within three working days you will receive a Reclaim Pack containing instructions on how to begin your claim. Please read it carefully, taking care to provide all requests for signatures and any supporting documents before returning it in the Freepost envelope provided.  Thank you. 2009-05-04T11:01:00+00:00 http://www.debts.org/index.php/index/reclaim_ppi_payments_how_to_legal_action/ http://www.debts.org/index.php/index/reclaim_ppi_payments_how_to_legal_action/#When:10:11:00Z Reclaim PPI Payment Protection Insurance usually adds around 20% to your loan and with around 20 million policies in circulation, it’s easy to see how PPI is a £5 billion business. Unfortunately, PPI providers are overcharging customers by £1.4bn a year and in many cases the policies are mis-sold – only 11% of PPI claims are ever successful! Debts.org specialises in getting your money back. Unlike other claims management companies, we are part of a leading insurance company, which means we have inside knowledge of the business, and we make it our business to get what’s rightfully yours. Our no win no fee policy means we only charge 23% +VAT if your claim is successful and because of our size, we guarantee you a level of service and expertise that smaller claims companies cannot match. Start your PPI claim now by completing the online form or calling the number above – our well-staffed and friendly call centre is ready to take your call between 8.30am-9pm Mon-Fri and 10am-5pm Sat-Sun. You can reclaim mis-sold PPI if any of the following applied to you at the time of taking the policy: You were under 18 or over 65 years of age You worked less than 16 hours a week You were employed on a temporary or contract basis You suffered from stress or backache You had an existing illness You did not know PPI was part of your loan You were not told about the cost of the insurance You were not asked about any other insurance you may have had You were told the insurance was necessary for you to get the loan You were not told that the same policy could potentially be bought cheaper elsewhere. So why wait? Complete the form and let’s get started! 2009-04-29T10:11:00+00:00 http://www.debts.org/index.php/index/reclaim_mortgage_exit_fees/ http://www.debts.org/index.php/index/reclaim_mortgage_exit_fees/#When:10:10:00Z Mortgage Exit Fees – recoup your cash If you ended a mortgage ahead of the agreed term because you have switched providers or paid off the loan early, then you probably paid a mortgage exit fee. Mortgage exit fees are also known as deed release fees, final administration fees, sealing fees, discharge fees and final redemption fees. but whatever your lender choses to call them, they can leave you at least £250 out of pocket. At Debts.org we can arrange to get your mortgage exit fee refunded. Our no win no fee policy means we only charge you a flat rate of £65 if your claim is successful, and as we are part of a leading insurance company, we guarantee you a professional service that smaller claims companies cannot match. Start reclaiming your mortgage exit fee today by completing the online form or by calling us on the number above. Our professional and friendly staff are waiting to take your call between 8.30am-9pm Mon-Fri and 10am-5pm Sat-Sun. Entitled to a refund? Finding out is easy as 1, 2, 3 1) Check the small print of your contract for details of early exit penalties 2) Find out if you were charged for switching/completing your mortgage 3) Compare your exit fee with the amount written in your contract. If you were overcharged or made to pay a fee when there was no such clause in your contract, our financial experts will contact your lender and get what’s rightfully yours. So why wait? Complete the form and let’s get started! 2009-04-29T10:10:00+00:00