Unfair Credit Card Charges FAQ

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Credit card charges are part of the deal when you take out a credit card, they pop up when you miss a payment, if you make a late payment, if you go over your credit limit or if a transaction is returned. We all know about them and expect them, but lenders and card providers have abused their right to charge fees by levying unreasonable and unjustiftable amounts on account holders.

As a result, many financial consumers are claiming unfair credit card charges back and this FAQ is designed to help you find out what’s involved.

Do I Need All My Statements?

Yes, You should get hold of all your statements from the past 6 years. If you don’t have every copy then request them from your card provider. They are legally required to keep 6 years record of all paperwork and for a small fee (usually £1 – £10) they will send you what you need.

TIP: When you know the amount they charge for back-statements, send an equivalent cheque with your request letter, it speeds up the process and doesn’t give the lender an excuse to delay proceedings. Also, if you have online banking, you may be able to access your statements through there, for free.

Once you have the statements, you’ll need to do the following:

- Highlight the penalty charges on all of the account statements for the full 6 years.
- Add them all up to give you a total.
- If you’re claiming alone, contact your lender, if you’re using PPIRefundsUK.co.uk, give us a call on 0800 840 7292 and we’ll get started.

Does The Claim Always Go To Court?

Usually, if the claim is small, the card-provider often wants to settle quickly to avoid costs but if the claim is large, it is more likely the lender will do nothing. This way they put the onus on you to chase the money through the courts. There is a fee to file a claim at court but if your bank pays up, this fee is refunded as part of the settlement. Of course, if you claim through PPIRefundsUK.co.uk, we’ll take care of all of this.

If your card provider rejects the claim and it goes to court, the lender must then defend its case before a judge or else pay the amount you are claiming. If your lender doesn’t turn up or chooses not to defend itself, it must pay the full amount of your claim as well as refund your court fees. To start your unfair credit card charges claim today, simply fill out the quick and easy form above or give us a call on FreePhone 0800 840 72 92 and speak to one of our friendly advisors.

What If My Statements Go Back Further Than Six Years?

If your card was taken out over 6 years ago you may not have all of your statements to hand, in this case you can submit an estimated claim. This is an appropriate course of action if you genuinely believe you have been unfairly charged during a ’statementless’ period. To achieve an estimated claim, charges are calculated from available statements and the amount is duplicated to cover the entire time of card ownership.

What Costs Are Involved?

Getting hold of statements is the only cost if you claim through PPIRefundsUK.co.uk, this can be up to £10 but if it’s more and you don’t want to pay it, there is the option of submitting a Data Protection Act (DPA) disclosure request. The Data Protection Act Disclosure request is made under the Data Protection Acts (DPA) 1984 and 1998.

TIP: Using the DPA route can delay a claim by up to 40 days, decide whether extra cost is better than a wait.

- You may need to call your card provider regarding your statements so be prepared for 0845 and 0870 number costs depending on the lender.

TIP: When it comes to calls, make a note of any communication and what your lender tells you. Also diarise when you post letters as this may well help your claim.

Our Fees

PPIRefundsUK.co.uk operate on a NO Win No Fee basis meaning we don’t charge you a penny unless we win your case. If we win then we charge 25% of the payout amount. To start claiming your unfair credit card charges back simply fill out the form above or give us a call on 0800 840 7292 and speak with one of our expert team.

Contact Form

Do I Need All My Statements?

What Happens Once I Send A Claim?

Does The Claim Always Go To Court?

What If My Statements Go Back Further Than Six Years?

What Costs Are Involved?