How to reclaim credit card charges

Action Plan:

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If you think you've been unfairly penalised by your card provider you could be entitled to a credit card charges refund. We show you how you can reclaim credit card charges successfully.

		a	Find out: What are credit card charges?
		b	Find out: Who can get a credit card charges refund?
		c	Find out: Can you reclaim credit card charges?
		d	Decide: Should you try to reclaim credit card charges?

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		a	Do: Accept your providers offer of compensation if you are satisfied
		b	Do: Write to your provider again if you have not received a response in 8 weeks
		c	Do: Appeal if your request for a credit card charges refund is refused
		d	Do: Appeal if you are denied adequate compensation

		a	Find out: How much will going to court cost you?
		b	Decide: Should you use a 'no win, no fee' solicitor?
		c	Decide: Should you take your case to court yourself?
		d	Do: Submit your court claim
		e	Do: Pursue your court claim

		a	Work out: How much have you paid in credit card charges?
		b	Do: Contact your provider to ask for a credit card charges refund
		c	Do: Write a formal letter to your credit card provider

		a	Do: Contact the Financial Ombudsman Service for adjudication
		b	Decide: Should you accept the Financial Ombudsman's Ruling?