Contact Info
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1st Call Claims
38-40 Leslie Street, Eastbourne BN22 8JB
East Sussex
Email: info@1stcallfinancial.net

Phone: 0844 5676305 Helpline
Fax: 01323 418059
1st Call Claims Information

1st Call Claims is a trading style of 1st Call Financial Services Ltd registered in the UK company registration 4826421.

Licensed by the Office of Fair Trading. Consumer Credit License Number 544747.

Registered with the Information Commissioner (Reg No: Z9917433) for the use and storage of Data Protection Act (2000).

1st Financial Services Ltd is regulated by the Ministry of Justice in respect of regulated claims management activities, Our registration is recorded on the website www.claimsregulation.gov.uk. Registration Number CRM19613


Please click HERE for further information.

1st Call Claims - Credit Card Companies Charges

Who can claim money back for 'unfair' Credit Card Companies charges?

Any individual or business that has paid 'service fees' to the bank for:

  • Exceeding overdraft limits
  • Returned direct debits
  • Refused Cheques

How do I know if I have paid any unfair fees?

If you have received any letters from your bank or credit card company stating that they are going to be raising a penalty charge on your account for exceeding your overdraft limit, for a returned direct debit or for any refused cheques. The likelihood is that you will have been charged an unfair fee (sometimes up to £40!). In 6 years, these charges can become very large. It is not uncommon to have paid (or lost) £1000s to the bank, just from many small charges of around £35-£40.


"Any Credit Card Charges applied in excess of £15 over the past 6 years and you will automatically be entitled to a refund."

Act now to claim back your UNFAIR CHARGES!

Credit Card Companies charges have affected millions of people and could cost the Credit Card Companies industry billions of pounds in Credit Card Companies charge compensation. The OFT (Office of Fair Trading) has obliged banks to either put up or shut up. This has resulted in the Credit Card Companies changing tact, in order to save millions of pounds of profit. If you have paid banks fees you must ACT NOW! You can apply online or call for our pack today.


The Law

The only charges that are legally allowed to be applied are ones that are enough to cover the actual losses sustained by the bank. The charges they apply should be made up of any administrative cost incurred, which is likely to be very low, and any interest lost by them having to cover the unpaid transaction from Credit Card Companies funds. With this in mind it is obvious that the charge should therefore be linked to the value of the transaction, as the amount of interest lost would change depending on that value. So how come everyone who is with the same bank gets charged exactly the same for an unpaid Direct Debit, for example?

The Credit Card Companies have been overcharging customers for years, make sure that you start claiming YOUR money back today!