Why banks are misleading judges in unfair credit card charges case

October 30, 2007

The unfair banks charges case has been going on for a little while now. Millions of consumers have filed claims against their banks and credit card providers and thousands of pounds has been lost by the lenders because of it. However, recently the banks managed to put a stop to any future claims until 2008, a move which has enraged thousands of consumers. What’s worse is that a personal finance expert has now claimed that the banks are actually conning the judges in the cases over the unfair charges.

Now the hold on claims was only supposed to be for bank charges, but somehow the banks have also managed to convince judges across the country that credit card charges should be held too. It was never supposed to affect credit card charges as the office of fair trading ruled earlier in the year that credit card fees were unfair. So there really should have been no argument as to whether credit card customers should get their money back or not. However some judges are listening to the arguments posed by the banks and consumers are being done a dirty deal because of it.

One of the biggest problems with credit card charges being put on hold in this way is that if you want to challenge it, it will cost you £75. Obviously this is ridiculous and nobody wants to have to pay extra to claim back their charges when they were unfair charges in the first place.

So what can you do if you have unfair credit card charges? Well firstly you should add up the total amount of charges that you have and then you should write to your credit card provider. Tell them that you have been unfairly charged and you would like your money back. You can even ask for some interest back too (after all that is what they would do). If they write back and refuse then simply inform them that you will be taking the case to court. A lot of the time the providers will not want to go to court, especially seem as though credit card charges have been classed as unfair! So really you should get your money back. If not then it would be worth going to court to fight your case.