Cartel Reverse Bank Charges

How much do you think you have paid in bank charges? How would you feel if a specialist
firm could claim your bank charges back at no cost to you?

 


    


    


    

        
Cartel Reverse Bank Charges will pursue your bank charges claim, from start to finish, with 
a 0% charge if you become a client of Cartel Client Review

        
 

        

    

    
    

    
    
Free Recovery of ‘illegal’ Bank Charges for Cartel Client Review Clients


    
If you become a client of Cartel Client Review from the 18th October 2008 onwards, you are, subject to terms and conditions, eligible for a no fee, no cost, 
    bank charges reclaim service from Cartel Reverse Bank Charges.


    
    
    
        
  • No up-front fee 
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  • No contingency fee 
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  • 100% of the charges refunded and any compensation and interest is yours
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Why May I be Able to Recover my Bank Charges?


    
The Unfair Terms in Consumer Contract Regulations state that charges should not exceed the cost to the provider. Do you think that each charge made by your bank, 
    charges of possibly £25 plus, is a fair representation of what it costs the bank?

    

    
While banks have tried to argue that the ‘Unfair Terms’ regulations do not apply to their bank charges, many commentators believe that this is not the 
    case and the Office of Fair Trading (OFT) is currently running a test case against 8 major banks. 

    

    
While this test case is in progress a ‘stay’ has been placed by the courts but it is highly recommended that you should submit your claim quickly.

    

    
    
    
        
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    Why Submit Your Claim Now?
    
            
    There is a 6 year limit from the date of a claim being issued. Issue a claim now to ensure you can reclaim back as far as possible.
    
            
    
            
    Even with the ‘stay’ in place, Cartel Head Office staff are specialists at identifying circumstances that will allow you, where possible, 
            to make your claim now. You may still get a ‘payout’ while everyone else is waiting!
    
        
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    Already Submitted A Claim?
    
            
            
    If you have already registered with a firm who will charge you a fee you may still be able to swap to Cartel to take advantage of our no fee service.
    
            
        
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To find out more about Cartel Client Review’s claim services, and how to qualify for free bank charges reclaim service, enquire today for a free, no obligation, 
    discussion with a local representative.

    

    
I want to enquire about Cartel claims services

    

    
Cartel Reverse Bank Charges is a division of Cartel Client Review.






    
    
    
  
  









  
 
      
    

      
      

            
Review

            
Tell us about your mortgage, secured loan and motor finance history

        		
 

            
Complete a Client Review Form with our representative.

            
 

      

    

	
    

		
		

			
Underwriting

            
We assess each products chance of success

		    
 

            
Each product you have submitted for review will be summarised by one of the following three underwriting outcomes:-

            
    
				
  • Yes - The review has identified a good chance of success for this particular product, on the basis that it would potentially result in a claim of £5000 or more (based on the information given).
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  • No - No - We do not believe that making a claim would result in a claim of £5000 or more.
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  • Possible - Documents are required from the lender before the case can be reasonably assessed. The chances of success cannot be reasonably assessed without the client documents.
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Instruction

            
You tell us how many claims to pursue

    	    
 

			
There is no limit to the number of potential claims you can instruct us to proceed with. For each claim to be pursued you will be required to:

            
    
            	
  • Read - Read and understand our terms and conditions
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  • Sign - Sign our Client Agreement
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  • Cheque - A £10 cheque payable to each lender for the release of documents will be required
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  • Cost -	At this stage Cartel Client Review charges £495 for each product you wish to pursue
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  • Our Promise - Subject to Terms and Conditions, in the event of a claim being unsuccessful we will refund the £495 fee in full, regardless of the work we have completed (*There is no refund following a successful claim)
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Investigation

			
We request the relevant documents and paperwork from the lenders

         	
 

            
Our in-house team will contact the lender requesting release of all the relevant documentation under the terms of the Data Protection Act. Once released and in our possession, a full and comprehensive assessment of the Client documentation can be made. 

      At this point the Client documentation will either pass to the nominated panel solicitor and auditors or you will receive a refund of the £495 (please see 'Refund?' in FAQs).

			
 

		

    

  
    

		
		

            
Panel

            
We arrange for a panel auditor and solicitor to act on your behalf

            
 

            
We will arrange for a panel solicitor and auditor to prepare your case. You will not pay any fees to either solicitors or auditors as the costs incurred by the panel solicitors and auditors are claimed back from the lender on successful conclusion of the claim.
 In the event of an unsuccessful claim you will have no costs to pay and you will receive a full refund of the £495, subject to our Terms and Conditions.

        
 

 
		

	

	
    

		
		

            
Payment

            
On conclusion of your successful claim you receive payment

            
 

            
Under normal circumstances you can expect your payment to be made up of both your actual financial losses, plus compensation for these losses. In most cases we would expect a payment to be made within 6 to 9 months of the claim being accepted by the solicitor.
There is no further fee for our most popular mortgage and secured loan claims. Please see our Customer Information sheet for full details of our fees.

			
 
 
		

    

    
    
   
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Review

            
Tell us about the credit cards you currently have

        	
 

            
Complete a Client Review Form with our representative.

            
 

      

    

	
    

		
		

			
Underwriting

            
We assess each credit card’s chance of a successful claim

            
		    
 

            
Each product submitted will be assessed as a ‘yes’ or ‘no’.

            
    
				
  • Yes - we believe there is a good chance of a claim. There is no minimum level of claim.
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  • No - Cartel Client Review will not progress with any case assessed as a ‘no’.
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Instruction

            
You tell us how many claims to pursue

			
For each claim to be pursued you will be required to:

            
    
            	
  • Read - Read and understand our terms and conditions
    • 
			    
  • Sign - Sign our Client Agreement
    • 
				
  • Cheque - A £10 cheque payable to each credit card company for the release of documents will be required
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  • Existing clients - Are entitled to the discounted rate of £175 per review
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  • New clients - Who are not progressing with a mortgage, secured loan or motor finance review will be charged a review fee of £495 for the first credit card review. Read full T&Cs
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  • Our Promise - Subject to T&Cs, in the event of a claim being unsuccessful we will refund the £495 or £175 fee in full (*There is no refund following a successful claim)
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Investigation

			
We request the relevant documents and paperwork from the lender

         	
 

            
Our in-house team will contact the lender requesting release of all the relevant documentation under the terms of the Data Protection Act.

            
 

            
At this point the Client documentation will either pass to the nominated panel solicitor and auditors or you will recieve a refund of the £495 or £175 (please see ‘Refund?’ in FAQs).

            
 

            
Please note, as with all claims, there are no guarantees of success.

			
 

		

    

  
    

		
		

            
Legal Representation

            
We arrange for legal representation to pursue your claim

            
We arrange for legal representation to prepare and pursue your case. You will not pay any fees or costs to either solicitors or auditors to progress your claim. 
  
            
We will attempt, where possible, to:

            
    
                
  • Claim back interest charges
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  • Claim back repayments made
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  • Cancel the card and clear any outstanding balance on the card
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In the event of an unsuccessful claim you will have no costs to pay and you will recieve a full refund of the £495 or £175 fee, subject to our Terms and Conditions

        
 

 
		

	

	
    

		
		

            
Repayment

            

                
                    
    
                        
  • Interest?
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  • Payments?
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  • Outstanding Balance?
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Payment is made to you, less successful claims fees.

            
Successful claim fees of 30% of the total of the above (see T&Cs) will be payable.

			
 
 
		

    

    
    
   
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