Q. How long will it take to recover my bank fees?
A. It normally takes between 8 - 13 weeks. We have seen all the stalling tactics, excuses and tricks used by the banks and card companies to delay or avoid refunding charges

Q. Do you charge a fee?
A. No. We work strictly on a no win no fee basis, we charge 20% of the money we recover. There are no hidden charges

Q. Where can I recover fees from?
A. You can recover fees from any UK bank or credit card company or store card company.

Q. Can fees be reclaimed from business accounts?
A. Yes fees can be reclaimed from business or personal accounts

Q. Could the bank close my account?
A. Banks have been known to close accounts in the past as the customer is clearly not happy with the service they have received, this is very rare now as so many people are claiming back bank charges and it would mean thousands of accounts being closed and new ones opened. The banks have also been warned by the Financial Ombudsman that they are not allowed to close accounts because you are claiming back charges that were not lawful in the first place.

Q. Is there any way of getting my money returned faster?
A. Our company deal with everything as fast as possible, we have a system and it works but if you have your statements for the last six years this would cut out the time required for us to obtain a list of charges from your bank or card company, speeding up the claim by up to four weeks.

Q: Can I claim charges that have been applied to my Credit cards as well as my current account?

A: Yes. Any type of card account or bank account where you have paid unlawful charges can be claimed?

Q: I have closed my account is it possible to claim back the charges?

A: Yes. We can reclaim charges on open or closed accounts going back over the last six years..

Q. What do I need to do?

A. Complete the simple on line form and we will send you the a Form of Authority and a Letter of Authorisation, these are needed in order for the bank to deal with us on your behalf. You would need to complete these two very simple forms and return them to us with a cheque or postal order for ten pounds for each accouint you would like to claim from made payable to your bank.

Q. Do the claims go to court?
A. Not very often, most of the claims are settled before court proceedings are issued.

Q. What happens if it does go to court?
A. We prepare the case, liase with the bank and attend court to present your case but up to now none of the banks have ever attended the courts and charges are normally awarded by default.

Q. Can I reclaim charges myself?
A. Yes. You would need to have all the letters in place and be positive in all negotiations with the bank, ask all the correct questions and be prepared to issue court proceedings. If you would like to try your self we will give you help to start the process completely free of charge, just contact us and we will help.
You can reclaim charges yourself. You will need to manage the Banks and the Court Processes, but like any situation, you can always represent yourself. If you have any questions, please call us and we will point you in the right direction!

Q. How do I start to reclaim my charges?
A. You can start to reclaim your charges by clicking here, or by e-mailing info@chargerefund.com if you have skype you can talk directly to a consultant by clicking the skype me link on the home page call us on msn at charges@hotmail.co.uk.

Q. How do I know my information is safe with your company?
A. We take data protection very seriously, your information will never be passed on to anyone other than the people involved with reclaiming your bank charges.

Q: What do I need to provide you with?
A. All we need is a signed copy of the Terms and the Letter of Authority and a cheque or postal order made payable to your bank or credit card company to commence your claim.

Q. Is it possible to claim more than 6 years of charges?

A. No. We can only reclaim for the last six years

Q. Most of my charges are my own fault can I still claim?

A.Yes. Your bank can only charge you what you have cost them they cannot penalise you by charging you extortionate amounts and hence making them handsome profits along the way.

Q. Is there a limit to the amount that I can claim?

A. No there is no limit, most companies will not take on claims of more than £5,000 but we are so confident we tale on all claims

Q. Will the Bank contact me regarding my claim?

A. No, Once we have sent them your letter of Authority all future dealings regarding the claim should be with us and your bank. If the bank does contact you we need to know immediately as they have not right to go against your wishes

Q. Will my credit rating be affected?

A. No. this is perfectly legal process, all you are doing is claiming back what is rightfully yours and will not have a negative affect on your credit rating.

Q. What kind of costs would I incur if I were to lose?

A. If your claim was to go to court it would probably me the small claims court so the only costs you would incur would be traveling costs. Nobody has yet lost a claim in the courts so if it happened to you it would be a first. The only cost you would incur would be traveling to the court and if you lost we would pay that for you.