Welcome to my blog.
On here i will detail my fights with the banks to reclaim penalty charges back from them. These are for bounced cheques, returned direct debits or other charges.
UK law states that a charge can only be for the actual amount it costs the bank and they are not allowed to profit from a penalty charge.
Bank and credit card accounts are invariably tied in with DCAs and CRAs. I will also detail the letters to send at each stage and provide advice on tackling Debt Collection Agencies (DCAs) and the Credit Reference Agencies (CRAs) Experian, Equifax and Callcredit.
Keep visiting for updates!
