Welcome, you’re just a few steps from saving £1000’s!Before carrying out any type of Debt Consolidation, reclaim your bank charges.
We source and constantly update our database with the latest information so that getting the best reclaim charges has never been easier. Click on the buttons below to save…

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Before carrying out debt consolidation reclaim your bank charges!
Just click on a button below to begin the process!
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contact us on:
 0845 1800 300






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  • Reclaim Your Bank and Credit Card Charges

    HomeAdvisoryService.com is adding its voice to the call for
    banks to stop charging its customers excessive penalty
    charges as the legality of their action is called into question.

    It is estimated that last year alone banks received over £4
    million in revenue from penalty charges, many of which are
    in the region of £30 a time for such actions as using
    unauthorised overdrafts, cheques which bounce, and
    clearing Direct Debits when there are insufficient funds in the
    account. Charges can accumulate rapidly and before you
    know it you owe £100’s of pounds.

    Now, thanks to a number of individuals who decided to
    challenge the action of their banks, many have received
    reimbursement of the penalty charges they have paid plus
    interest. They have challenged the charges on the basis that
    they are illegal because they are a ‘penalty’, rather than a
    reflection of the true costs incurred, as set out by the Office
    of Fair Trading regulations.

    It has been argued that under the unfair terms in consumer
    contracts regulations (1999) all penalty charges should truly
    reflect the cost of administering them. Therefore if a penalty
    charge is higher than its administrative cost it may be illegal.

    If you have been affected by unfair bank, credit card or store
    card charges we are here to help. As a Ministry Of Justice
    registered claims management company, we can act on your
    behalf to gather all the necessary information and prepare
    your case.
  • Payment Protection Insurance Refunds

    If you’ve ever borrowed money on a credit card, loan or mortgage,
    you may have been miss-sold a payment protection policy. These
    policies were often miss-represented when they were sold alongside
    your loan. The most common complaints are:
    • You were told you had to take out the Payment Protection Policy to
    be approved for the loan.

    • You were told PPI would improve your chances of getting the loan.

    • You were pressurised into buying the Payment Protection Policy.

    • The small print of the contract was not fully explained.

    • The cost of the Policy was not fully explained.

    • You were never told that a Payment Protection Policy was included in
    your credit agreement.

    Write-off Unenforceable Debt

    Astonishingly our experience has shown that many Loans and
    Credit Cards taken out before April 2007 may not need to be repaid!

    If the content of the Credit Card Agreement or Loan Agreement that
    the Lender made you sign, did not comply with the Consumer Credit
    Act, then under English Law your Credit Card or Loan could be
    Unenforceable and therefore written off by your Lender.

    We can investigate the legality of your loan or credit card debt and
    establish if it is unenforceable. If we believe you have a case our
    Lawyers will build a case to represent you.
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Reclaim unauthorised Bank Charges or Credit Card Charges with our Bank charges and Credit Card charges reclaim service. We handle the work you get the refund. Just fill out the forms and we do the rest. Before taking out a debt consolidation loan check your bank charges, you may find that the unfair bank charges exceed the amount of the debt consolidation loan you need. Reclaiming bank charges and unenforceable loans is easy with the HomeAdvisoryService.com.

Did you know that some Credit Card and Loan agreements are unenforceable under the 1974 Consumer Credit Act. If you would like to find out if you have unenforeceable credit card agreements or unenforceable loan agreements , apply online today.

Have you ever had a payment protection insurance policy that you have taken out with a Loan Agreement or Credit Card Agreement. It is quite possible that you may have been miss-sold the policy or in fact in some cases have been ineligible for the PPI in the first place. Fill out our simple form and we will check if you can reclaim the premiums and interest you have paid for Payment Protection Insurance. This is sometimes call loan protection insurance or income protection insurance. Complaints for missold payment protection insurance can be made to the Financial ombudsman service.

In the insurance section of our website you will find the largest range of insurance policy selection available. You can compare Life Insurance, Health Insurance, Home Insurance, Travel Insurance, Car Insurance, Van Insurance and Bike Insurance. You will find cheap car insurance.

We can save you money on your Life insurance with cheap low cost deals from Friends Provident, BUPA, Legal & General, Scottish Widows, Scottish Provident, Aegon, Norwich Union, Scottish Widows and Liverpool Victoria.

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