Terms and conditions

Terms & conditions

1. Access to any information on this Web Site is conditional on your acceptance of the "terms & conditions" shown.

2. The following Conditions form the basis of your contract for the use of this website and services provided by Reverse Bank Charges Ltd. Please read them carefully as they set out our respective rights and obligations in respect of your use of this website.

3. In these Conditions, "you" and "your" means all persons using this website "We", "us" and "our" means Reverse Bank Charges Ltd.

4. Access to any information on this website and/or your acceptance without modification of these Conditions constitutes your agreement to be bound by them. If you do not wish to accept any part of them, you must not use our website.

5. This website is for your personal and non-commercial use. No part of this website may be reproduced in any form without our prior consent, other than temporarily in the course of using our service or to keep a record of a transaction entered into using our service. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services contained from this website. The copyright and the material contained on this site belongs to us or its licensers.

6. We are an English registered (UK) Company No. 6095476. Our business and the services we offer are governed by the applicable laws of England and Wales. No warranties and/or representations of any kind, express or implied, are given as to the compliance of the information shown on this website, the services offered by or on behalf of us, any information relating to such services and our business in any respect with any laws of any other country which do not, in any event, affect or apply to the same.

7. Access to this website is conditional on your agreement that all information contained in it and all matters which arise between you and us will be governed by English law. Access is further conditional on your agreement that any dispute or matter which arises between you and us will be dealt with by the Courts of England and Wales only to the exclusion of the Courts of any other country.

8. No warranties, promises and/or representations of any kind, express or implied, are given as to the accuracy or completeness of any of the information contained on this website or as to the nature, standard, suitability or otherwise of any services offered by us or on our behalf. We shall not be liable for any loss or damage of whatever nature (direct, indirect, consequential or other) which may arise as a result, directly or indirectly, from the use of any of the information or material contained in this website or other company information and/or use of or access to any other information or material via web links from this site or any inability to access or use this website.

9. Without prejudice to the foregoing provisions, we are entitled to the benefit of any applicable exclusions and/or limitations of liability permitted by the laws of any country found to be applicable to the information shown on this website and/or any services offered by us or on our behalf.

10. The pages contained on this website may contain technical inaccuracies and typographical errors. The information on these pages may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information on these pages up to date or liability for failure to do so.

11. This website does not contain links to other websites.

12. We make no warranty that this website (or websites that are linked to this website) is free from computer viruses or any other malicious or impairing computer programs. Please always be sure that you have adequate anti virus software on your computer.

13. The copyright in the material contained on this site belongs to us or its Licensors.

14. Government charges such as V.A.T. are applicable to all clients where applicable.

15. On completing a Form of Authority for Reverse Bank Charges ltd to act on your behalf, you are entering into a contract with Reverse Bank Charges ltd that any funds refunded by your bank/s or credit card companies including any statutory interest payments are subject to a Reverse Bank Charges Ltd fee of 15%. A 14 day cancellation period is applied to all clients after signing the initial Form of Authority. You may cancel in this 14 day period and receive a full refund of any monies pay to Reverse Bank Charges.

16. On entering into a contract with Reverse Bank Charges ltd you authorise us to enter full negotiations with your bank or credit card company or act in court proceedings and any agreed refund between Reverse Bank Charges ltd and your bank is full and final settlement for the dates and charges we have applied for. Reverse Bank Charges ltd may contact your bank by either mail or by telephone to deal with solely and expressly your bank charges and bank charges refunds and any related matters to this and for no other information or access to your account. Reverse Bank Charges ltd are authorised only to deal with bank charges and refunds. Reverse Bank Charges never ask for a clients date of birth. This is usually a security safety check for any client telephoning thier own bank. If dealing by telephone Reverse Bank Charges ltd will make clear these terms & conditions as herewith set in for the purpose of bank charges and bank charges refunds only.

17. Any payments sent direct to our client in settlement of the claim which we have represented should be notified immediately to Reverse Bank Charges ltd at their registered address, and payment of any fees due to Reverse Bank Charges should be forwarded within 7 days of the client receiving their refund or compensation payment.

18. All clients have a 14 day cancellation option. This does not affect your statutory rights. After the 14 day cancellation period has elapsed the company may request a repayment from the client of any fees incurred in dealing with your complaint up to the cancellation date, and charge for any time, administration, staff hours or legal fees that the company have incurred plus a cancellation charge of £150.00.

Privacy Policy

(1) Introduction
www.reversebankcharges.co.uk is owned by Reverse Bank Charges Ltd
We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.

(2) What information do we collect? We may collect, store and use the following kinds of personal data:

(a) Information about your visits to and use of this website;
(b) information about any transactions carried out between you and us on or in relation to this website, including information relating to any purchases you make of our services; and
(c) Information that you provide to us for the purpose of registering with us and/or subscribing to our website services and/or email notifications.

(3) Information about website visits
We may collect information about you computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and number of page views. We may use this information in the administration of this website, to improve the website's usability, and for marketing purposes.

(4) Using your personal data
Personal data submitted on this website will be used for the purposes specified in this privacy policy or in relevant parts of the website.
In addition to the uses identified elsewhere in this privacy policy, we may use your personal information to:

(a) send information (other than marketing communications) to you which we think may be of interest to you by post or by email or similar technology;
(b) send to you marketing communications relating to our business which we think may be of interest to you by post or by email or similar technology (you can inform us at any time if you no longer require marketing communications to be sent by emailing us at md@reversebankcharges.co.uk
We will not provide your personal information to any third parties for the purpose of direct marketing without your prior approval.

(5) Other disclosures
In addition to the disclosures reasonably necessary for the purposes identified elsewhere in this privacy policy, we may disclose information about you:

(a) to the extent that we are required to do so by law;
(b) in connection with any legal proceedings or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); and
(d) to the purchaser or seller (or prospective purchaser or seller) of any business or asset which we are (or are contemplating) selling or purchasing.
Except as provided in this privacy policy, we will not provide your information to third parties.

(6) Security of your personal data
We will take reasonable precautions to prevent the loss, misuse or alteration of your personal information. Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

(7) Policy amendments
We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.

(8) Third party websites
The website contains links to other websites. We are not responsible for the privacy policies of third party websites.

(9) Contact
If you have any questions about this privacy policy or our treatment of your personal data, please write to us via email at md@reversebankcharges.co.uk or by mail to our head office address. RBC, 4th Floor, St James Court, Brown Street, Manchester, M2 1DH

COMPLAINTS PROCEDURE

At Reverse Bank Charges we carry out work on your behalf with care and attention. However in the unlikely event that you feel that you have reason to complain then we are more than happy to listen and deal with your concerns.

Please address all correspondence to Complaints @ Reverse Bank Charges where they will be passed unopened to a senior manager. If you wish to make a complaint about our service or any matter related to our handling of our claim then please note the following:

1. Write in to us or email us with details of your complaint.
    

2. We will acknowledge your correspondence within 5 working days.
    

3. We will investigate your complaint and gather the relevant information. We may contact you to obtain any further information from you.
   We aim to write to you with a response within 4 weeks of receipt of your complaint. If we are unable to give a full reply within four weeks from receipt of your complaint, we will write to you in order to keep you informed. If, after a further four weeks, we have still not resolved your complaint we will again write to you keeping you informed of our progress.
    

4. We will write to you with a thorough response with details of how we propose to resolve matters or if we feel that the complaint is unfounded then we shall give full reasons as to how we came to that conclusion.
    

5. The procedure set out above falls within the rules of The Ministry of Justice. We hope to come to an amicable settlement of your complaint. If you do not accept our final decision in the matter or if our investigations have not been completed within eight weeks you may be eligible to refer your complaint to The Claims Management Regulation Monitoring & Compliance Unit. We will inform you if you have the right to refer to The Claims Management Regulation Monitoring & Compliance Unit either:

• In our final response (in which we will point out that you should do so within six weeks of the date of the letter) or

• In the letter sent eight weeks after we received the complaint, whichever is sooner?

If we feel that redress is appropriate then we will provide fair compensation to the Complainant for any acts of omissions for which Reverse Bank Charges is responsible. Appropriate redress may not be financial. It may involve an apology, an offer to re-do the work or refund of a fee.

Please note that you are not obliged to wait for a final decision to be made on your complaint by us. You can refer your complaint directly to the Ministry of Justice at any time. The contact address for the Ministry of Justice is:

Claims Management Regulation Monitoring and Compliance Unit Ministry of Justice
57-60 High St.
Burton on Trent
Staffordshire DE14 1JS