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Here are some common questions and answers

Q: How long will the claim take?

A: Each claim varies dependent on the bank involved. The typical claim takes around three months to complete.

Q: Can I claim for a closed account?

A: Yes you can claim for closed accounts as long as you have the account details.

Q. Can i make the claim myself?

A. Yes you can make the claim yourself if you have the time, the confidence and funds to meet the cost of court action if required.We are here to provided a service which does all the work for you pays all fees needed upfront and does not charge you anything unless we make a sucessfull claim .

Q. Is your company regulated?

A. From the 6th April 2007 all claims companies will need to be registered under the claims management regulation (The Compensation Act 2006) via the department of constitutional affairs.visit www.claimsregulation.gov.uk for more information.

Q. How do I know my information is safe with your company?

A. ABC is a registered data controller with an entry on the public register of data controllers which is maintained by the ICO,we take data protection very seriously. Please take a look at the Terms and Conditions of the site for the privacy statement.

Q: How much does your service cost?

A: We will only take a payment when charges have been refunded. The fee that will be taken is 25% including Vat .

Q: What happens next?

A: Once we receive a signed copy of your agreement, we will send you two letters to sign and send to your bank in pre-paid envelopes. One letter will be an authorisation notification to allow us to audit your account. The second letter is a subject access request which will force your bank to provide you with six years of statements. This information will be supplied for a fee of £10 which you will need to pay by cheque.

Q: What will I need to provide you with?

A: All we need to get started are the representation agreement and questionnaire.

Q. What if the bank won't give me my money back?

A. Then we will take them to court on your behalf and ask a judge to decide whether you have a justified claim. If the judge agrees then the bank should pay straight away. If the bank won't settle straight away then we will instruct debt collectors to recover the debt from them.

Q. Will it go to court?

A. Not many cases go to the hearing stage of court but you should be prepared to attend. We produce all the necessary documentation required. You must attend if the case does go to court.

Q. Can I claim for more than 6 years of charges?

A. No. You can only claim back six years from the date of your claim

Q. I've been charged by my Bank for going over my agreed overdraft limit, but it was my own fault, can I still make a claim?

A. Yes you can still claim. Your bank is allowed to charge you when you go into an unauthorised overdraft but its charges should only cover the costs incurred. Their charges not only cover their costs but also create huge amounts of profit for the bank which is unlawful

Q. I get charged a monthly fee for having an overdraft on my account. Can I claim this back too?

A. No, Banks' are allowed, by law, to charge for a service that is provided.

Q. Is there a limit to the amount that I can claim?

A. No there is no limit. Unlike other providers of this service, we take claims for more than £5000.

Q. Will the Bank ring or contact me?

A. No, they shouldn't do, as you will have given us authority to act on your behalf. If they do send you any letters concerning bank charges then please forward them to us so we can use this information as evidence

Q. Could the Bank close my account?

A. It is highly unlikely and has never happened to any of our clients, but you should be aware that it could happen. If the bank was to close your account because of your complaint about their, charges then you could raise an official complaint with the Financial Services Authority,citing retaliatory action against your claim. This could be much more damaging for the bank than your claim against them. The banking standards board have strongly advised banks not to close accounts as a result of a claim being submitted.

Q. Will this action affect my credit rating?

A. No. This process is completely legal and there is no way it can have a negative effect on your credit rating.

Q. What kind of costs would I incur if I were to lose?

A. If your claim is kept under £5000, it is likely to be dealt with within the Smalls Claims Court and so the only costs that can be claimed are for travelling expenses which we will pay if you lose.

Q. Do you have a complaints procedure?

A. Yes we do. We are regulated by the Ministry Of Justice CRM2772 and have set guidelines that we are required to follow. If you are unhappy then please click here for further information.