Relax - Let DJF Recover Your Bank Charges

CREDIT CARDS, STORE CARDS, LOANS, MORTGAGES AND BUSINESS BANK ACCOUNTS ARE NOT ON HOLD!

The banks and the OFT have been back in the High Court this week to allow Lord Justice Smith to consider the effect of historic bank agreements on the issue of bank charges and the jurisdiction of the Oft over these.

The last test case only concerned itself with current agreements and the Court found that the OFT do have the right to consider the fairness of charges under the Unfair Terms in Consumer Contract Regulations - although the banks have appealed this decision to the Court of Appeal and this appeal is due to be heard after the summer.

The issue of historic agreements is just as important if not more so to consumers who wish to reclaim charges incurred within the last six or so years.

Unfortunately, although somewhat predictably, the Court stated that there would be no quick decision and L.J. Smith will now consider the information over the course of the next few months.

The decision of the OFT in relation to the fairness of bank charges is due before the end of July and they have given the first indication of the amount of charges the banks take from consumers every year. The Oft have stated that the banks coffers are swelled by up to £2.5Billion ponds a year thanks to these charges! An amazing amount of money - no wonder then that the banks have indicated that they will ignore the OFTs recommendations and will pursue the issue of fairness of charges to a test case in the Courts scheduled for the end of the year.

With the banks already indicating that they will appeal both decision to the House of Lords and possibly the European Courts it may be some considerable time yet before the issue of recoverability is decided.

Would you like all of your bank charges refunding?

We have a 100% record in recovering bank charges for our customers. However all major banks have now agreed to a test case with the OFT and all claims will be put on hold awaiting the decision of the court. See our New News section for more details.

However, you should still make your claim as soon as possible.

The banks will lodge the complaint as before and then put it on hold pending the decision of the court.

Click here to start your claim today!

Why choose DJF?

• Excellent success rate - We are an established business with a great success rate.

• Professional and friendly service - You will receive a five star service from DJF - in a professional and friendly manner.

• No hassle - Relax, let DJF handle your claim hassle free!

• Online Special Offer - We have a special offer on for all for all new bank charge claims we start

These penalty fees go against English contract law and the Unfair Terms in Consumer Contract Regulations 1999.

That means you may be entitled to a refund of any penalty fees applied to your account within the last six years!

Predictably the banks disagree with the decision and refuse to refund the charges when asked. That's where we come in...

A Proven Track Record in Successful Bank Charges Recovery

DJF Charges Consultants have a wealth of experience in recovering charges and have a proven success rate in recovering substantial charges from all major banks.

To date we have successfully recovered over £300,000 of bank charges for our clients and this figure is rising daily.

A Full Service

DJF Charges Consultants can issue County Court proceedings on your behalf should the bank refuse to negotiate.

We have a panel of specialist solicitors who will take over conduct of the file if proceedings become necessary.

This shows the banks that we mean business and that we are willing to take all necessary action to recover what is yours by right.

Following recent changes within the industry however, we shall always pass the file to the FSA Ombudsman prior to issuing the proceedings in order to secure a refund without the inherent risk of litigation.

Respected

DJF Charges Consultants have tried and tested methods and established working relationships with many of the high street banks, credit card providers and store card underwriters.

These invaluable relationships mean that claims are initiated to the right people in the right place and claims are settled far quicker.

The banks have specialist teams dealing with recovery of charges and as we have got to know them, they too have got to know of us and of our growing reputation as market leaders who will pursue our client’s best interests un haltingly.

Reasonable

DJF Charges Consultants charge less than our competitors, starting from only 20% of charges recovered.

We are able to recover interest on each and every charge and often an additional award for inconvenience and loss meaning that we often pay for ourselves leaving our clients with a 100% of charges recovered being reimbursed by the bank.

Can I recover my own bank charges back?

Yes you can.

In fact it is not an extremely complicated claim, really just a time consuming one. There are many websites with template letters and forums to help you bring the claim yourself, such as www.moneysavingexpert.com. Alternatively you could seek redress through the financial ombudsman who is both independent and free.

You should always consider alternatives before entering into a contract with any firm.

Can you afford not to claim? Contact us today and let DJF recover your bank charges.

What will you do with the money we recover for you?