Frequently Asked Questions

Why should I use Charge Claims and not use of the other companies offering a similar service?
Charge Claims is unique in the way we claim interest on your charges. Unlike other companies who can only claim S.69 interest at 8%. We claim your unauthorized overdraft rate of typically 29.9%. We also compound the interest so we calculate it monthly just as you your bank would calculate your interest. This unique claim process could net you a £220 for single £40 charge in 2000 whereas other companies will only get £43.20 and that is if it gets to the court stage.

How do I start my claim?
You can either submit your information via our online application form or by calling a claims advisor Free on 0800 0470 152. We will send you our standard agreement form to sign and return in a pre paid addressed envelope.

Do I need to do anything else?
No, as soon as we receive your completed application we will undertake all responsibilities involved in reclaiming your charges

How do I know how much I have been overcharged?
Once we have your application we will submit a subject access request and complete a free audit of your account to calculate the charges applied to your account for the last 6 years

How much will it cost me?
Our service is results based. You will only be asked to pay any fee if you receive a refund or settlement from your bank. The fee will be 40% of that refund

Can I do this myself?
If you have the time and confidence to manage your own claim and you are confident that you will be able to maximise your settlement, yes, you can do this yourself.