CLAIM CREDIT CARD FEES

What Are Credit Card Fee Claims?

You may be eligible if your provider added:

• Unlawful late payment fees – Excessive charges for missed payments that exceed actual administrative costs may be reclaimable.
• Over-limit charges – Fees added when you exceed your credit limit, often without warning or proper consent, may be unfair.
• Hidden insurance or PPI-style add-ons – Payment protection insurance or similar products added without your clear agreement could be refunded.
• Interest during 0% promotional periods – If you were charged interest despite a 0% offer, you may be due a refund.
• Annual or premium account fees without disclosure – Charges for premium cards or services that weren’t clearly explained at signup may be challenged.
• Foreign transaction fees not properly explained – Fees for using your card abroad that were not clearly disclosed in advance may be considered unfair.

Why These Charges May Be Illegal

Many practices breach UK and EU law, including the Consumer Credit Act, Unfair Terms in Consumer Contracts Regulations, and EU directives. This includes:

• Missing or misleading consent forms – If you didn’t clearly agree to a charge, or the consent was hidden in fine print, it may be invalid.
• Fees that violate contract terms – Charges not clearly outlined or justified in your agreement may be unlawful.
• Charges added during financial difficulty – Adding fees when a customer is known to be struggling financially may be considered unfair or exploitative.

Did This Happen to You?

• Charged more than £12 for a late payment – Charges above this amount are often considered excessive and may be unlawful under UK regulations.
• Signed up for insurance unknowingly – Payment protection insurance or similar add-ons may have been added without your full understanding or consent.
• Misled about interest-free deals – You may have been promised 0% interest but were charged due to unclear or misleading terms.
• Charged hidden foreign fees – Some providers applied currency conversion or foreign use fees without clear disclosure.
• Paid unexplained fees during hardship – Fees added while you were in financial difficulty may be considered unfair or even illegal under consumer law.

Even if the account is closed, claims may still be valid for up to 6 years — or longer if you only recently became aware of the issue.

How Much Can You Claim?

• ✅ Refund of all monthly fees (often £500 to £3,000+)
  – If you were mis-sold a packaged or premium bank account, you may be entitled to a full refund of the fees you paid — especially if you didn’t agree to or use the included services.
• ✅ Interest at up to 8% per year
  – You may also be entitled to statutory interest on top of your refund, to compensate for the time your money was unfairly held.
• ✅ Related overdraft and penalty refunds
  – If the mis-sold account caused you to incur overdraft charges, bounced payments, or other penalties, these may also be reclaimed.

Why use Quaerens?

Start Your Free Claim

• ✅ 2-minute form – quick and simple to complete
• ✅ We review and file the claim on your behalf
• ✅ You pay nothing unless we succeed
• ✅ Fully secure and confidential process

👉 Start now – you could be owed hundreds or even thousands.