Unfair credit card charges

Have you been unfairly charged by your credit card company?

If you’ve got a credit card and, like many people, occasionally go overdrawn or miss a payment, there’s a good chance you’ve been unfairly penalised for your oversights.

But the good news is that you may be able to claim back all the unfair penalties payments you’ve made – plus interest.

Like banks, credit card companies have been adding ‘unfair’ charges to people’s accounts for years, but many people aren’t aware that these unfair charges can be claimed back too.

The Office of Fair Trading actually estimates that more than £300 million in unlawful penalty charges are charged each year across the industry. www.oft.gov.uk

If you think you've been unfairly charged by your credit card company within the last six years for simple oversights on your account, we can help you try and reclaim your credit card charges and get your money back.

What can I claim for?

You may have been charged by credit card or store card companies for things like:

According to the law, the charges you pay must be fair and reflect the cost to the bank of your error.

But many credit card companies don’t stick to these rules and charge you more than they should - meaning they could be unfairly penalising you.

That’s where we come in. Debt Refund can help you to reclaim the penalty costs you have been unfairly charged on your credit cards and store cards, plus interest.

How does it work?

We work on a no win-no fee basis. We don't charge any upfront fee for reclaiming your credit card charges.

You only need to provide a cheque for £10 for each credit card provider, as this is the amount they charge for providing us with your statements.

Once you've officially given us the go ahead, we can obtain your statements, analyse your charges and concentrate on getting your money back to you as soon as possible.

If we're successful in your credit charges claim, our fee is just 20% of the total amount recovered.

Keen to start claiming?

To get started reclaiming your credit card charges, just follow these simple steps: