Frequently Asked Questions

Unfairbankcharges.net have attempted to answer all the most commonly asked questions here. If we have not been able to answer a question , please don't hesitate to give us a call on 01752 298253 or contact us by email on info@unfairbankcharges.net.

  • How do you claim back my penalty charges?

    Once you have completed the online form and given us authorisation to do so, we will contact your bank and arrange for copies of your statements to be issued which we will check on your behalf for any unfair bank charges. We will then negotiate with the bank on your behalf to obtain a refund of these charges, it couldn’t be simpler.

  • How much will it cost me?

    We work on a no win no fee basis with nothing to pay up front. When we have recovered your bank charges we will ask you to pay us 25% of the recovered amount including VAT, plus any administration costs. (See our Terms & Conditions)

  • How long will it take?

    On average the entire process should take between 2-4 months. The banks are legally allowed up to 40 working days to provide the duplicate statements.

  • How far back will you go?

    We can recover up to 6 years (5 years in Scotland) of bank charges plus statutory interest.

  • Are you regulated in any way?

    Yes! We are regulated by the The Ministry of Justice (Formally the Department for Constitutional Affairs). Unfair Bank Charges (Trading name of Consumer Commandos Ltd) is regulated by the Ministry of Justice in respect of claims management activities. Our registration number is CRM5984. To view authorization please click on the following link www.claimsregulation.gov.uk

  • If I have closed my account can I still claim?

    Yes. In most cases we can recover money irrespective of whether the account is open or closed.

  • Will I have to go to court?

    In the unlikely event that your claim has to go to court we will manage your case and the issue of Court Papers. If we lose, it will be at no cost to yourself. We will pay all up front court costs (If the claim is successful this fee will be repaid by your bank in addition to the claim and in turn will be payable to ourselves).

  • Could the bank close my account following any claim?

    Whilst claiming back your bank charges we aim to minimise any disagreement between you and the bank and therefore it is unlikely that the bank will close your account. The Banking Codes Standards Board advises that banks should not “take a disproportionate response” and should treat customers “sympathetically and positively” when dealing with such claims.

  • Will this action affect my credit rating?

    No. Reclaiming your bank charges will in no way have a negative effect on your credit rating.

  • Will I need to get copies of my Bank Statements?

    No. We will contact the bank to obtain details of any charges levied on your account. Some banks may charge for this service and all banks have 40 days under the Data Protection Act 1998 legislation to provide the information. If however, you already have statements of your account showing charges, please forward them with your application.

  • Do you have Terms and Conditions?

    Yes. And you can either view or download them by clicking here.

  • What if my question isn't answered here?

    If we haven't covered your question here please either complete the forms anyway and ask your question in the 'Other Information' box or email us at info@unfairbankcharges.net.

Make a Claim Now?

Make a “No win no fee” Claim right now by clicking here and completing the online claim form.

Why use Us?

  • We are a professional team with many years experience in the service industry. We pride ourselves in giving our customers sound advice and providing them with a first class personal service.

  • We operate a balanced approach to recovering your penalty charges. Whilst we are extremely firm with all companies or organisations that may owe our customers money, we also seek to maintain good relations between all parties. We believe a fair result is one where all parties involved can continue with a good relationship even after a claim has been settled.

  • The majority of our business is generated from a mixture of Internet advertising, soft marketing and customer referrals. We do not make cold calls to people, and prefer to offer a great service to a smaller number of customers.

  • With our help, consumers and business users can avoid the potentially difficult and protracted negotiations that some people have experienced when trying to reclaim their bank charges. With our help you can easily reduce the amount of time, energy and stress associated with these types of claims and simply carry on with your every day hectic life!

  • We are also registered data protection controllers reference PZ9899179 where our status can be confirmed by the Information Commissioner by following the link Information Commissioner

  • Unfair Bank Charges (Trading name of Consumer Commandos Ltd) is regulated by the Ministry of Justice in respect of claims management activities. Our registration number is CRM5984. To view authorization please click on the following link www.claimsregulation.gov.uk