Can I claim back my bank charges?

Who can reclaim charges? Anyone can write or speak to their bank and ask for a refund. Some banks might even write off charges as a gesture of goodwill to a valued customer. A Supreme Court ruling in 2009 made it more difficult to reclaim charges, but it is still possible – especially if you’re struggling.

Can I reclaim late payment charges?

Fees that are too high Credit cards used to charge fees of around £35 for missed payments or going over your credit limit. You can reclaim fees higher than £12 from the past six years in England and Wales or the past five years in Scotland.

Is there a time limit on reclaiming bank charges?

How far back can I claim bank charges? The general rule for claiming a bank charges refund is six years. This is because, if you end up going to court to reclaim bank charges, the Statute of Limitations Act states that you can only claim for something within six years of the charge you’re claiming for.

How can I avoid paying a late payment on my credit card?

How To Avoid Credit Card Late Payment

Sign up for auto-pay.
Set up reminders.
Make the payment in advance.
Call the credit card company.
Pay at least the minimum amount due.

How can I recover money owed to me by Nidirect?

They may charge a fixed fee or take an amount of the money they recover on your behalf. It’s possible the agency might not use legally trained staff. If you can’t settle the matter in any other way, you may want to make a claim in court. This is normally used as a last resort. It’s a good idea to seek independent legal advice first.

How to claim compensation for a holiday in Northern Ireland?

As a last resort you can take the company to the small claims court – but this can be expensive and take a long time. Contact the Citizens Advice consumer helpline on 0808 223 1133 if you need more help – a trained adviser can give you advice over the phone. You can also use an online form. If you’re in Northern Ireland, contact Consumerline.

What should I do if someone owes me money?

The action you take will depend on the size of the debt and your ability to prove that you are owed the money. Speak to the person who owes you money. You may be able to informally agree a plan to get the money repaid. If that doesn’t work, you can write a letter.

Where can I get advice on claiming unpaid wages?

We advise that you always seek advice from your trade union (if you are a member or if you join one), local CAB, law centre or ACAS. Their advice is free (in the case of trade unions to members only), and will be able to advise you on your particular situation.