Frequently Asked Questions

The simple answer to this question is yes. If you would prefer to tackle the Banks and the court system using specialist knowledge, please contact our dedicated team.

The Statute of Limitations determines that a debt can be claimed for a period of up to six years from the date it is incurred.

Yes, so long as you have the account details.

We will try and reclaim charges made by Banks, Mortgage Lenders and Credit Card Companies for late payments on loans, referred cheques, direct debits, standing orders and exceeding overdraft limits while also requesting interest at the appropriate rate.

To initiate a claim we need to know the charges that you have incurred over the last six years. If you do not already have this information we can make a ‘subject access request' to the bank or financial institution. Under the terms of the Data Protection Act they are legally bound to provide this information within 40 days and can charge a fee of no more than £10 for providing it.

Simply request and return our claim form or click here to claim on-line. One of our claims advisors will review your claim and if they feel you have been subjected to unfair penalty charges they will forward our Service Agreement and Authorities to enable us to make contact with the bank or financial institution.

We work a simple ‘No Win, No Fee' system. We will only charge you if we manage to secure you compensation. Our rates are 25% (inclusive of VAT) of any compensation you receive up to a maximum charge of £1,200 (inclusive of VAT). Many of our competitors do not limit the amount they charge.

Unfortunately the threat of your account being closed down can not be eliminated, however this occurs in very few instances. The banks are not allowed to treat any person raising a complaint disproportionately to other customers. In the rare event that you are threatened with your account being closed down we would write to the Information Commissioner or Ombudsman on your behalf and inform them of this retaliatory action.

The process will take between 8 and 12 weeks as the Banks will try and use stalling tactics during the whole procedure. This will be reduced if you already have copies of your statements.

No, we will pursue your claim up to the Small Claims Court or Financial Ombudsman on your behalf.

Yes, we have a clear and comprehensive structure in place that can be found on our website.

Yes, we are regulated by the ministry of justice under the terms of ‘The Compensation Act 2006'. This has been a legal requirement for all Claims Companies since 27 th April 2007 .