Have you ever been charged for being late with your payments or exceeding your credit limit?

If you have, you are likely to have been excessively charged. You're not alone; every year British consumers waste £150 million on credit card charges*. The Office of Fair Trading (OFT) decided in 2006 that the charges applied by credit card companies were too high. As a result the OFT have imposed a cap on the charges of £12.00.

EMCAS can pursue a claim on your behalf to recoup the losses you have incurred as a result of Unfair Credit Card Charges.

EMCAS will endeavour to obtain a refund of all the charges you have incurred within the last six years plus interest. Even if your Credit Card Provider has reduced their charge rates to £12.00 we can still recoup those costs for you too.

In order for EMCAS to start work on reclaiming your Credit Card Charges all you need to do is:

• Get in touch with us – we will complete all the documentation required to commence your claim to save you the hassle.
• Don’t worry if you haven’t got statements stretching back six years – we can get that information from your credit provider.
• You can usually expect your refund in 8-12 weeks from when your claim is submitted, it can sometimes take longer if your case is more complicated but we will aim to complete your claim as quickly and efficiently as possible.

*Source: financemarkets.co.uk

Why choose EMCAS to manage your Unfair Charges claim?

• We manage every aspect of your claim and keep you updated every step of the way
• We will work to get you the maximum award applicable to your case
• See what some of our customers said about their Unfair Charges claim

If you have received charges for late payments or exceeding your credit limit get in touch with us and we will be able to establish whether or not you too may be eligible for a refund.

If you have any questions regarding charges please visit our 'Frequently Asked Questions' section.