Get your money back!
When you open a bank account or take out a credit card, you enter into a contract - bank charges are fees that are charged by your bank if you go out of the agreed terms of that contract.
Some reasons for bank charges include:
- Going over your overdraft limit without prior agreement
- A cheque that bounces
- A direct debit that takes you over your overdraft limit
- Exceeding a credit card limit
- Failure to pay a minimum payment on a credit card
Bank charges are supposed to reflect the actual costs incurred by the bank, but banks were charging up to £39 for a bounced cheque, £12 for missed credit card payments and £28 every day an account was over its authorised limit.
Since the Office of Fair Trading has dropped its case regarding unauthorised overdraft charges against the banks', there is no guarantee you will be able to reclaim your money. However, there is still a possibility your bank will offer some form of refund.
We can put you in touch with Claims Financial, a company that specialises in reclaiming unfair bank charges, providing:
- A No Win No Fee Service
- Expert friendly advice
- Handling your case from start to finish
