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Loans and Credit Cards - Claim Your Money Back on Illegal Charges
It is a new rule that may have the banks running scared. As of May 31, money lenders are no longer allowed to charge sky-high penalties for late payments on credit cards, store cards, mortgages, loans and overdrafts. The most they are, in fact, allowed to charge is 12. And if they do not make the changes to these charges by this date, it is possible that these money lending outfits will be taken to court and made to pay up.
What this means is that outfits like Halifax, which is part of the Bank of Scotland group, can no longer charge 39 for unpaid cheques, direct debits and standing orders. Neither will other banks, which have penalty rates usually about 9 less than this. And on top of this, the people who were charged these staggering rates dating back six years can claim them back.
The Office of Fair Trading made the rule because it felt penalties should be there simply as a way for organisations to recover costs, rather than profit from people who have borrowed money in the first place.
In reaction to the new rule, the British Bankers Association has promised to challenge some of the cases. A spokesperson for the organisation says they thought that the OFTs decision should only apply to credit cards rather than all sorts of other money lending situations. The reason being, is that the investigation that the OFT carried out before it made the rule was only into the situation surrounding credit cards exclusively.
We are surprised that the OFT has widened the scope of its ruling when it only spoke to credit card providers. We expect our members to challenge this. We believe our banks products provide good value, the British Bankers Association spokesperson says.
But partner at Class Law Solicitors, Stephen Alexander, says banks will have little chance of being successful of a legal challenge against the new rule in a small claims court. Now that the OFT has decided that anything over 12 is unfair, it will be a lot easier for people to succeed against the banks in the Small Claims Court. People are entitled to claim back charges made within the last 6 years, he says.
While this rule, however, might be bad news for the banks, it provides probably some comfort to all of the people out there who have wracked up debts through accruing credit card fines. At least now they can get some of their money back. And the consumer magazine Which can help you.
Which magazine says for 10, it will provide all the paper work one needs to apply for a rebate on excessive fees. The information can be obtained through the website www.which.net.
Banks make billions of pounds worth of profits each year, so it might seem that this ruling will hardly create even a dent in those profits. But at least it makes them play fair and give you some of your money back.
Loan House is a large website offering its clients Bad Credit loans
More Useful Resource and Updates on leather credit card wallet that holds a lot
- City and former Mayor Stewart agree on credit-card payment (Plattsburgh Press Republican)
PLATTSBURGH -- The City of Plattsburgh and Daniel Stewart have come to an agreement as to how much the former mayor should pay for credit-card usage.
- A Comprehensive Provider of Business and Personal Credit Cards by Texas Credit Card.Info, a Feature of "Industry ... (Marketwire via Yahoo! Finance)
Industrial Info Resources will host special guest Texas Credit Card.info as part of this week's "Industry Today" webcast. Texas Credit Card.info is a leading provider of over 150 credit cards for business owners, industrial personnel and students, from the largest banks and providers in the world, including Advanta, American Express, Chase, First Premier and HSBC.
- Union Bank Offers Small Business Rebate Program to MasterCard Debit and Credit Card Holders (Business Wire via Yahoo! Finance)
SAN FRANCISCO----Union Bank of California is now offering the MasterCard® Easy Savings? program to provide its small business customers with easy ways to save as they continue to use credit and debit cards to pay for business expenses.
- Target tightens credit terms more for card holders (Lexington Herald-Leader)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it's further tightening finance terms for its card holders - even those with good standing. The discounter also may become even more stringent if credit conditions keep deteriorating. Executives told analysts at the company's annual investor meeting, held in Minneapolis, that it was ...
- Target tightens credit terms more for card holders (Minneapolis-St. Paul Star Tribune)
Poor Quality merchandise you snookered people into purchasing from you. All the stuff they didn't really need or want. That should get ? read more cover about 10% of what you seek, the rest of the credit extended probably went to purchase food and other consumable household items, most of which has probably been flushed or thrown out by now.....Go Big Red!!! Nice business plan.
- Target tightens credit terms more for card holders (AP via Yahoo! News)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it's further tightening finance terms for its card holders ? even those with good standing.
- Target tightens credit terms for card holders (MSNBC)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it is further tightening terms for its card holders ? even those in good standing.
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... think that with only 2 pockets on each side that this wallet won't hold a lot of credit cards. ... calf skin leather wallet with three card pockets, bill ...
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Double bill holder, 12 credit card slots, window for drivers license ... If your looking for a wallet that holds a lot and is well organized, this is the ...
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