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Claim Unfair Credit Card Charges

When it comes to being mis sold payment protection insurance there is not a lender or financial institution in the UK that isn't part of the scandal that has consumers and consumer advocate groups up in arms. It wouldn't be so very bad if it were not as expensive as it is but the cost alone is enough to make even the most financially secure of us cringe. When it comes to mis selling payment protection on credit cards which notoriously carry the highest rates it is nothing less than a travesty. To claim unfair credit card charges are legal and within their right to add to our monthly statement is scandalous and well within our rights to claim unfair credit card charges back by filing a payment protection claim against the lender.

Loans, Credit Cards and Payment Protection

Until quite recently many people didn't understand that payment protection on credit cards was almost exactly the same as payment protection on loans and lenders could be just as guilty of misselling PPI on credit cards as they could for selling PPI on loans. Payment protection insurance is simply a type of cover that kicks in to make monthly installments whenever the borrower/cardholder is unable to do so because of loss of employment for a number of reasons. Whether the cardholder is sick or simply loses a job, theoretically the insurance is supposed to cover those payments the cardholder is unable to make due to loss of wages. In reality this doesn't happen most of the time because altogether too many people are excluded from cover. Knowing this, it is incumbent upon the lender to fully disclose the details of payment protection insurance to the borrower prior to selling that policy.

You Really Can Claim Unfair Credit Card Charges Back

No one said it is going to be easy but you really can claim unfair credit card charges back. It would be well to keep in mind that lenders are just as unwilling to give your money back as they are willing to take it in the first place. We have already seen that they think nothing of charging us exorbitant amounts of money for an insurance cover that really doesn't cover anything, so why would we think they would be so quick to give our money back when we discover the scam. By filing a claim against the credit card issuer you are entitled by law to get a refund on any money that was paid into mis-sold payment protection insurance. The trick is to get the credit card issuer to admit they mis-sold payment protection insurance. In order to claim unfair credit card charges back you have to file a successful claim and sometimes that takes the help of a professional claims management company. Be aware that there are PPI claims companies that will only charge a fee if they win your case for you. Find a no win no fee PPI claim company and you're on the road to being able to claim unfair credit card charges back.

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