Have you been charged unfarily by your bank?

SCESB are specialists in claiming back unfair and unjust charges, premiums and policies from your bank or lender in Scotland. If you feel you have been levied with unfair charges from your bank or lender give us a call and we can discuss if you have a claim for unfair bank charges or credit card charges against your Scottish bank.

Unfair charges have taken a bit of a hit in recent years, you are unable to make claims unless you can show you are in financial difficulty or can prove a special case.  In the past it was possible to claim back unfair bank or credit card charges from your Scottish bank freely but now the times have changed you really need to be in financial difficulty, for example be on a debt management plan or IVA.

Are you in financial difficulties?

Being in financial difficulty is a very hard place to be, getting out of it can be even harder unless you take the right steps to get yourself out of the hole.

Financial difficulties can be assumed if you have more expenditure each month thatn you bring in (income). If this is the case then you will soon find yourself struggling to meet your creditors repayments. Living on your credit card balance each month? This is often the start of financial hardship, Scottish people are finding it harder than ever to keep on top of their finances, with inflation rising and salaries not matching it is becomming increasingly difficult to keep track of all of your finances.