Have You Suffered Unfair Bank Charges?

Have You Suffered Unfair Bank Charges?

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If you are one of millions who have suffered unfair bank charges it is still possible to claim them back. As with unenforceable debt claims, people think it isnt worth while trying to claim anymore. But it is!!! As part of standard banking regulations and the Lending Code the bank has to consider your financial situation and treat you fairly. Examples of being treated unfairly include 30 charge for going 84p overdrawn. Or even 25 letter charge to say your direct debit was returned.
The most successful bank charges refunds are if you have been in financial hardship and suffered unfair bank charges. For example, if you are on a debt management plan you could be in line for a refund.
Financial hardship sounds drastic but look at the definition below and this could apply to you.

Cant pay your essential bills which means youre struggling to pay for the mortgage, council tax, or even food.

Problems with unsecured Debts which means you could be missing some payments on credit cards, loans etc. Do you feel like youre robbing Peter to pay Paul?

Unfair Bank Charges making it worse - does your pay get drastically reduced because of bank charges?

Returned Payments - Do you have regular Direct Debits returned?
Change in Income - Has your income dropped drastically? Overtime stopped, made redundant or changed jobs for example.

Considering a debt solution - If youre looking at Debt Management, IVA or Bankruptcy for example.

Living off Credit - Using your credit cards to draw money out or even using your credit cards and overdraft to survive month in month out.

Always Over your Overdraft - Do you keep going over your overdraft limit? Receiving charge after charge and only can clear it on payday?

Bank charges have hurt your situation - The charges have contributed to making your finances worse.

Health - Have you suffered from a serious health issue or disability meaning you have to spend more on day to day living?


If one of the above describes you in any way in the last 6years then dont despair because it is still possible to claim back bank charges and also check your credit agreements in case you have any unenforceable debt. So dont think all those unfair bank charges are lost you could be a phone call away from a successful bank charges refund.

About the Author:
Check if you have any unenforceable debt with UK Money Solutions. They could also combine bank charges refunds with a debt management plan if required. Just call 08000 748059 and speak to one of their trained advisors to see what solution is best for you.



Article Originally Published On: http://www.articlesnatch.com


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