Click here to read the The Unfair Terms in Consumer Contracts Regulations 1999

OFT's Position in Calculating Fair Default Charges in Credit Card Contracts

How It Works

1. You can either complete the online application form or send us an e-mail or use msn or use skype to request the forms.

2. We send you two very simple forms, a Letter of Authority and a copy of our terms.

3. You complete and sign the letter of Authority and the Terms, return them to us with a cheque or postal order for ten pounds made payable to your bank or credit card company

4. Once we have received your letter of authority we request a list of all your charges for the last six years from your bank or credit card company. Under the data protection act the maximum they are allowed to charge for the information is ten pounds, they have forty days in which to send this information to us.

5. When we receive the data we then calculate all the unlawful charges, add interest to each one from the date of each charge up to the present date, then send a request for the money to be returned.

6. This is where the games begin, the banks normally write back refusing to pay the claim, we then have to negotiate with the banks and in extreme cases issue court proceedings, but rest assured we never give in.

7. When the claim is settled is when we charge our 20% fee, and only 20% there are no hidden charges whatsoever.