KNOWLEDGEBASE

RECLAIMING BANK CHARGES

If your bank has charged you for unplanned overdrafts, returned Direct Debits, or for services you haven't used, you may be entitled to reclaim some or all of your charges.

British Pound Coins
vunerable-persons btb.jpg

VULNERABLE DEBTORS

People who are classed as Vulnerable are entitled to be recognised as such. In some cases, a vulnerable person could receive special treatment. If you think you are vulnerable, read this...

FIGHTING CCJ'S

If you have received a claim form from the county court, we can help you respond to that request, file the correct paperwork and draft a defence. Here, we explain the steps you need to take and what you can expect to receive back along with a rough timescale for proceedings.

Women Holding Hands
Television Sillouhette

TV LICENSE

In the UK, you must have a TV license if you watch live TV. This includes Sky and cable TV. Even if you still have a television in your house, this section of our site will help you stay on the right side of the law and will help you prepare for when the TV Licensing officials come knocking.

PAYDAY LOANS

In 2014, the Financial Conduct Authority ruled that Wonga was to write off £220 million in loans to 375 thousand borrowers. Wonga itself admitted "Those people should never have been given loans."
You may be entitled to a refund. Find out here...

Finance-Decisions-With-Payday-Loans.jpg
pexels-photo-248537 (1).jpeg

THE 3 LETTER PROCESS

The 3 letter process is a way of challenging a debt. This process is not suitable for every type of debt. It works best when a debt has been sold by one company to another.
However, the process has also worked on debt that has only been assigned.

COUNCIL TAX

None of us WANT to pay Council Tax, but unless you are willing to do a lot of research and potentially go to prison for your beliefs (which isn't necessarily a bad thing) you don't get a choice. If you're having trouble paying this "Priority Bill", you may be able to get help to pay or have the option to arrange an affordable payment plan.

council-tax-bill2.jpg
fos.png

THE FINANCIAL OMBUDSMAN SERVICES

If you believe a financial institution has treated you unfairly, or they have not responded to your complaint, it could be time for you to complain to the FOS and ask them to review your case. Click below to find out who the FOS are and exactly when you should contact them.

GDPR

Learn how you can use the General Data Protection Regulation (GDPR) to stop companies processing your personal data. We have provided a template for you to customize to help you submit your requests.

Women Holding Hands
Image by Sandeep Swarnkar

CEASE AND DESIST

Most of our efforts pertaining to this program involve studying new approaches and developing innovative ways to implement them. We evaluate our success in this field by gathering qualitative and quantitative data, and using that information to measure shifts and changes from our baseline measurements.

 

© and Trademarked 2020 BTBATB.