A new credit card charges kit from legal advice resource www.legalcentre.co.uk/ makes it even easier to reclaim unfair credit card charges. As the date for the test case in the credit card charges dispute between the Office of Fair Trading and the banks gets closer we look at how an individual may go about succeeding in making their claim. The basis of any claim needs to be founded in the Consumer Credit Act.
The Act requires that a credit card provider provides its customers with certain mandatory information before the card is provided to the new customer. In many instances this has not happened. It is also a requirement under the Consumer Credit Act that the card provider keeps a hard copy of the signed consumer credit agreement. If the credit card provider cannot evidence a signed copy then this is a ground for requesting the cancelation of the credit card. A number of companies offer credit card reclaiming services. However, watch out as they charge high commissions. You can reclaim the charges yourself if you feel up to the task. The DIY credit card charges refund kit provided by Legal Centre means you can have a go at reclaiming charges without the cost that you would incur using one of the many full service reclaim companies that exist in the current market. There is no guarantee that the claim will be successful but it is well worth a try given the minimal cost of the kit and the fact that if successful you could claim back hundreds or thousands of pounds.
