This a guide step by step, which include template letters to force the current or old credit card provider to repay the last six years of late payment fees or charges for going beyond your limit. Actually, how can I reclaim credit card charges? Well I can reclaim both fees for paying late or going beyond my credit limit is reclaimable and as it is over many years I may be able to get £100s or £1,000s back.

Well back in April 2006, the Office of Fair Trading ruled that it would investigate any credit card company that charges a penalty fee, after this incident major company reduced there fees shortly and remain the same since then.

Well I don’t think so it is easy to get my money back? No, it just involves writing a couple of letters to find out how many charges you have and then ask for your money back. Even if the bank says there is no need to go to the court then you can simply appeal to the ombudsman who can decide on these matters for you.

How much can I claim? You can also claim interest for any old charges. The standard amount to use, as it’s the amount used in the courts, is 8% for each year since each individual credit card charge was levied.

At Simplicity Claims, you not only get services for reclaiming Credit Card charges, but they can also help you with PPI Claims. Their services, for reclaiming PPI charges, have received appreciation from the clients.