Reclaim Your Unfair Credit Card Charges

If you have ever been charged for a late payment, returned payment or exceeding the limit of your credit card, you may have been a victim of unfair credit card charges.
Credit card providers can charge you for breaking your contract, but no more than the amount needed to cover their costs. If they make a profit from the charge, they are acting unfairly and you have the right to claim your money back; I want to help you do that.

Did you know that when you sign up for a credit card, you agree to the terms and conditions set out by the provider which state that you will stay within your authorized limits.

If you exceed your agreed credit card limit, miss a payment or have a payment retuned, you are technically in breach of your contract and your credit card provider is allowed to charge you.


Click here to hear one claimants success story - THIS COULD BE YOU


Consumer Credit Act 1974 allows borrowers to challenge unfair credit agreements in court
The unfair provisions Section140A of the 1974 Act provides that a court may determine that the relationship between a lender and a borrower arising out of a credit agreement is unfair to the borrower because of:

• Any of the terms of the credit agreement or a related agreement
  
• The way in which the lender has exercised or enforced its right under the credit agreement or a related agreement or
  
• Any other thing done or not done by or on behalf of the lender either before or after the making of the credit agreement or a related agreement
  
• A breach in any of the above can make the agreement unfair and potentially unenforceable. This then allows the court to require the lender to refund the money to the borrower

A wrong put right, an unfair situation made fair
You as a consumer can challenge this yourself and take your dispute to the Financial Ombudsman Service. However this can be a long complicated, protracted ,confusing procedure.

There are a few companies out there to help you to reclaim your losses, but one of the best that i have used myself was http://www.creditcardfreedom.co.uk/