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When we receive your instructions we will
ask your bank/building society/credit card company to
provide details of your last 6 years' penalty charges under
the Data Protection Act (unless you have already given them
to us). They will charge a �10 fee for this information.
(Don't worry, we will pay it on your behalf!)
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They must supply this information to us
within 40 days. If they fail to comply with this request
they have breached the Data Protection Act and will be
reported to the Information Commissioner (www.ico.gov.uk)
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Once the information is received, we will
calculate the total charges and the appropriate rate of
interest (which you are entitled to).
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We will send this claim to your bank, etc
by recorded delivery, and demand a response within 21 days.
On the same day that we send your claim to them, we will
send a copy to you confirming the amount of money we are
claiming back on your behalf.
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If your bank, etc has either not
responded within 21 days, or has offered an unacceptable
settlement, we will begin legal proceedings to recover your
money.
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NOTE: If you receive any
communication directly from your bank within the
21-day period, you MUST advise us immediately. This
is because Step 6 will incur fees for legal action
that YOU may have to pay, IF it is later found that
the bank's direct communication COULD have avoided
legal action. This might mean that you are liable
to repay court fees so please tell us IMMEDIATELY if
you receive any direct communication from your bank. |
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We will then prepare the relevant papers
with all necessary supporting documents, and submit it with
the required fees to enable your claim to be processed by
the court. (Again, don't worry about the fees as we will
pay them on your behalf!) We will contact you to confirm
that this has happened.
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To date, there has not been any serious
attempt to defend a claim for the recovery of penalty
charges. Whilst they do everything they can to stall and
delay payment we have every confidence that we can
successfully recover 100% of your charges.
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Once a settlement of your claim has been
agreed and received, when we receive cleared funds, we will
send you the settlement by cheque.
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