The consumer reclaim specialists

How long will my claim take?
The average is around 3 months. However, this is dependent on the complexity of your case. It can take anything from a couple of weeks to several months. However long the claims dispute is we will keep you fully informed throughout.

How much compensation can I expect?
The circumstances of each case vary, therefore so does the amount of compensation. In most cases we would endeavour to obtain a full or partial refund of your excess credit card charges plus interest. In more complicated cases there are various other factors which could affect how your compensation is calculated. Contact us for an estimate of your reclaim.

How much will it cost?
Russell & Young charge an all inclusive fee of 19% of any compensation paid. This is a no win no fee arrangement. If the claim is unsuccessful, no fee is due*.
* Cancellation fees may apply after 14 days. These may be waived at our discretion.

Will I need to pay any upfront fees?
No. We pay all the costs in order to pursue your claim, including the £10 data protection fee payable to the banks to obtain copies of data.

Will I have to go to court?
No. If the claim goes to court we will act on your behalf.
However, most cases are settled before going to court

Will this action affect my credit rating?
No. You are claiming a refund of monies which is rightfully yours. Your credit rating will not be affected.

I’ve now closed my account. Can I still claim?
Yes. In most cases, we can reclaim charges for the past six years irrespective of whether the account is still open – sometimes even longer. Please contact us for details if you are unsure.

What if I am unhappy with the service provided?
We hope you are happy with the services we provide. If you are, please tell us, as that makes us happy too! In the unlikely event you do have reason for complaint, please do not hesitate to contact us at For full details of our complaints procedure please click here.

Can I claim independently?
Yes you can. And if you feel able to deal with the paperwork and form filling, we would encourage you to do so, though we must warn you that the paperwork can be daunting and it can be difficult for a layman to judge if the bank’s offer is fair and reasonable. If you do decide to DIY, our advice to you would be to keep going and don’t give up!

Are you a regulated company?
Yes. We are regulated by the Ministry of Justice who monitor us to ensure we do not breach their code of conduct. We are also registered with the Information Commissioner's Office (I.C.O.) to ensure compliance with the Data Protection Act 1998. This ensures we will keep your details completely confidential. Unlike many financial reclaim companies we never pass your details on to 3rd parties except with your express written permission.

Any other questions?
Feel free to email us on We commit to answering all emails within 24 hours, and reply to over 90% in less than 6 hours. If you prefer, we can also ring you back, which we commit to do within 6 hours (with the proviso that we will never disturb anyone between the hours of 9.00pm and 9.00 am!). Click here to request a callback.