Because of this ruling it's now possible to reclaim any excess charges they've charged the last six years. On average we have managed to claim a £1200 per credit card. The application form takes two minutes to fill. We do the rest!

For years credit card companies have been hitting us with excessive charges! When you go beyond your agreed credit limit or make a payment even slightly late, credit card companies charge a penalty of around £35 a time.

It’s important to understand this charge is actually the credit card company fining you for going over your agreed overdraft limit and they are not allowed to do this.

The law states, however, that if there's a breach of contract under English or Scottish law, any charge should not exceed the cost of the breach. That is to say, credit card companies can only enforce charges which are proportionate to their costs.

Credit card charges are unfair and we can get them back for you, however, time limits apply!

You could win all your charges back plus interest. We've helped people like you reclaim thousands of pounds in charges dating back up to six years