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| Q |
How can I have my bank charges refunded
when those charges are published in the bank's terms and
conditions? [Top] |
| A |
The charges are unenforceable and can be recovered because
they are too high. Just because the banks say they
were published and you have agreed to them does not mean
they are fair! With our expertise in legal and financial
services claims we will challenge the banks' charges on
your behalf. We believe we can get your unfair penalty charges
refunded.
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| Q |
I have an account, which has been
closed for some years now. Can the bank charges I paid still
be reclaimed? [Top] |
| A |
Yes. We can usually reclaim unfair bank charges for up
to six years back from when you claim on any account, whether
it is open or closed.
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| Q |
How do I know how much I have been
overcharged? [Top] |
| A |
This is the total of the penalties your bank has charged
you, less the real cost they incurred. In addition,
where you have paid interest on those charges we may be
able to recover that as well. Part of our service
is to calculate the total amount due (using the statements
your bank will send us) and secure for you the best possible
refund.
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| Q |
How much will I have to pay 'up
front'? [Top] |
| A |
Nothing. We will only charge you for our services when
we have successfully claimed back from the bank all your
excess charges from the last 6 years. If your claim is unsuccessful
you will pay nothing. However, you will have to pay
your bank or card issuer £10 to cover the cost of providing
the financial data relating to your account.
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| Q |
How much will it cost me?
[Top] |
| A |
Our service is results based: we operate on a no win
- no fee basis. We only get paid when you do. Please
note we make no upfront charges although your bank will
charge a £10 fee.
Our fee is 25% including VAT of the amount you receive subject
to a minimum fee of £50 to ensure our processing costs
are covered. If your claim is unsuccessful you pay nothing.
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| Q |
How can I be sure of your integrity
and that you will treat my confidential information appropriately?
[Top] |
| A |
We're committed to high standards of customer service
and integrity; we are registered with the Information Commissioner's
Office, and comply with all relevant Data Protection Laws.
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| Q |
I have already started to claim
my charges back from my bank but I am worried that I might
have to go to court and represent myself against my bank.
Can you still help me now? [Top] |
| A |
Yes, in most cases as long as you have not served Court
papers on your Bank we may still be able to help.
We may also be able to help avoid going to court.
If you are in this position, please give us a call on
0845 271 4004.
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| Q |
I have a store card with these charges
on. Can you reclaim them as well. [Top] |
| A |
Yes. We can reclaim wrongly applied charges on any store
card or credit card account.
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| Q |
Will my bank close my account if
I claim back these charges? [Top] |
| A |
Some banks have taken this stance. However, The
Banking Code Standards Board has advised Banks "to ensure
that they do not make a disproportionate response to customers
claiming back these 'default' fees and treat the customers
sympathetically and positively in accordance with the provisions
of Banking Code section 14."
The Financial Ombudsman Service has also criticised at least
one bank for this practice, but it is unclear whether the
banks will comply with this.
As a precautionary measure, we recommend that all claimants
open a new bank account that can be used in the event their
bank decides to take this negative approach.
We take great effort to establish a professional relationship
with all the banks we deal with. Our communication
should not provide any cause for substantial break down
in your relationship with your bank.
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| Q |
Why should I use Keypoint?
[Top] |
| A |
Keypoint is an acknowledged expert in the claims industry.
To date, we have won over £50 million for our clients for
mis-sold endowment.
Our philosophy is to resolve our clients problems: getting
it right first time - representing their rights, obtaining
the right amount of redress and giving the right advice.
If you decide to use a claims firm, Keypoint is the right
choice.
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| Q |
How do I start my claim?
[Top] |
| A |
Please call us on 0845 271 4004
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| Q |
Do I need to do anything else?
[Top] |
| A |
No. As soon as we receive your completed application
we will undertake all the work involved in reclaiming your
charges. Where we need information or decisions from
you we will let you know. Our aim is to make the process
as simple as possible.
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| Q |
Could I make a claim on my own?
[Top] |
| A |
Yes. There are sites such as the Financial Ombudsman
Service, Which?, The Consumer Action Group and moneysaving
expert.com that can help you to do this. We would
advise you to consider the following points:
· Check your bank statements thoroughly
· Check the interest you have been charged
· Know your rights
· Be prepared to engage in correspondence with your bank
Our service is designed for people who do not want or
have the time to manage their claim themselves.
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