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Why this works?
The law deems that charges for unauthorised borrowing MUST be in proportion to the actual costs incurred by the bank.
It has been estimated that these charges should actually be around £2-£4
(BBC 2’s money programme put it at £2.50 - £4.50 being generous).
Because the charges are so disproportionate these could be considered to be illegal so you are entitled (in theory) to claim all of these charges back.
Inside is a simple step-by-step guide, including template letters, forcing your bank to refund the last six years charges for going beyond your overdraft limit, or for cheques and Direct Debits bouncing.
Please Note:
There are no guarantees when asking the banks to refund your charges however, this site does contain tried and tested methods and templates that worked for us. To the best of our knowledge no bank has successfully defended a charges claim in the courts. The vast majority of cases get settled out of court.
- We succeeded in claiming these charges back and urge you to hit back at the banks to reclaim what's yours!
Please send this on to friends and family to help them claim back also. Email a Friend