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Reclaiming Credit Card Charges is Not on Hold
Reclaiming credit card charges is not affected by the current test case against the banks. You can reclaim hundreds of pounds of unfair charges from your credit card company now.
Claiming is easy. Here is what you need to do:
1. Complete a few short, simple questions by clicking the Reclaim Credit Card Charges link below.
2. Pay £10.00 online for each credit card charge that you wish to reclaim. You will be directed to a link where you can make payment after you have completed the questions. This is not a fee for us. This is the maximum fee that the credit card companies charge for obtaining your credit card charges information. Credit card companies being credit card companies inevitably charge this maximum fee for providing the information about charges to you.
3. We will then take the necessary steps to obtain details of your credit card charges for the last 6 years and then report to you to let you know how much you can claim. You can then instruct us to reclaim the charges for you.
Reclaim Credit Card Charges
Why can I reclaim?
This all stems from the fact that by law credit card companies should only charge a "fair" amount for the charges they make.
The OFT looked into what was fair in 2006. They concluded that it was only fair for the credit card companies to charge what it actually cost them to write to you notifying you of the default.
A fair charge should therefore be pennies. It should certainly be no more than a couple of pounds.
The OFT as an interim measure said that they would not investigate credit card companies who charged £12.00 or less. They did not say that this was a fair charge. It was simply an interim measure that they put in place to deal with the worst abuses of the credit card companies until the credit card companies could present evidence about what the actual cost of sending the letter out was. In the words of the OFT report:
"We have decided that, as a provisional step, it is appropriate to give
priority to addressing default charges which exceed a simple monetary threshold
of £12, in line with our duty to use our resources to tackle contract terms that
have the potential to cause the most serious harm to consumers. We are not
suggesting that default fees should be set at £12, and a court will certainly not
consider that a default fee is fair just because it is below the threshold."
For those interested, the main report of the OFT from April 2006 can be read by clicking here. An additional report was published by the OFT to guide consumers and the consumer guide can be read by clicking here
Putting all of this together, if you have received any charges of £30 or £35 you should be able to reclaim the difference between this figure and £12 without difficulties. In many cases, you can claim the full amount of the charges going back 6 years.
Reclaim Credit Card Charges
How easy is it to reclaim?
Reclaiming with Emmetts Solicitors is easy.
Simply follow our three step plan and you could start reclaiming within minutes:
1. Complete a few short, simple questions by clicking the Reclaim Credit Card Charges button below.
2. Pay £10.00 online for each credit card charge that you wish to reclaim. You will be directed to a link where you can make payment after you have completed the questions. This is not a fee for us. This is the maximum fee that the credit card companies charge for obtaining your credit card charges information. Credit card companies being credit card companies inevitably charge this maximum fee for providing the information about charges to you.
3. We will then take the necessary steps to obtain details of your credit card charges for the last 6 years and then report to you to let you know how much you can claim. You can then instruct us to reclaim the charges for you.
Reclaim now! Get back the money that is rightfully yours.
Reclaim Credit Card Charges
Make payment online
You can make the payment of the £10.00 to obtain the information regarding credit card charges quickly and easily by clicking the button below. Payment is subject to a 5% processing fee.
Start reclaiming credit card charges - Data Protection Act records fee - £10.00
Processing charge: 5% = £0.50
Total deducted from your card: £10.50
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