Reclaim Charges
Miss Sold Payment Protection Insurance (PPI) Cover
Payment Protection Insurance, or PPI, is insurance that will pay out a sum of money to help you continue paying your monthly payments on credit cards, store cards, catalogue payments, mortgages and your car loan if you are unable to work. This is normally as a result of sickness, accident or unemployment and due to no fault of your own.
PPI does not come cheap, if you have this insurance on any of your loans or mortgages then there is a good chance you have a claim for thousands. Premiums paid by consumers represent anything from 13 per cent to a staggering 56 per cent of the amount loaned. It is common for PPI on loan agreements to be paid for by a one off premium included in the loan itself and for interest to be charged on PPI premiums.
Find out more about reclaiming miss sold PPI cover...
Unfair Mortgage Exit Administration Fees
If you have been charged an administration fee by your mortgage provider for ending your mortgage in the last 6 years then a cheque could be coming your way.
Mortgage Exit Administration Fees (MEAFs) also known as:
- Deed Release Fees
- Sealing Fees
- Final Administration Fees
- Discharge Fees
- Final Redemption Fees
These are the fees you paid to end your mortgage contract. This may happen when you switch at the end of a fixed interest rate period, re-mortgage or when the mortgage is paid off, sell your house.
These fees are supposed to deal with legitimate expenses your mortgage company incurred such as releasing the deeds etc, however it is unfortunately the case that these fees have become yet another money making business for lenders at your expense.
Find out more about reclaiming mortgage exit administration fees...
Unfair Credit Card Charges
Most credit card companies will charge customers for three main things: late payment, exceeded credit limits and returned payment. Have you been charged hundreds or even thousands of pounds by your credit card company? If so, then you have a claim.
Find out more about reclaiming credit card charges...
Unfair Bank Charges
Good news - the law is on your side. Bad news, the banks are unlikely to simply pay back billions of pounds without being forced to.
When you exceed your overdraft limit or a cheque bounces you are technically in breach of contract because you signed the conditions saying that you would stay within the authorized limit. However, the legal remedy is for the bank to only claim whatever actual losses it has suffered due to your actions.
Find out more about reclaiming bank charges...
Our Specialist Is In Your Corner
All claims are taken on by our specialist as a no-win-no-fee basis. The fee is 25% plus VAT of the damages recovered, which is a total fee of 29.37%. If successful a minimum fee of £65 + VAT applies for each case.
All you need to do is complete the online application, which takes only a few minutes.