Bank Fees Refund

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If you have been charged £12 or more for:

exceeding your overdraft limit
a bounced cheque
a failed direct debit

you could be entitled to a bank charges refund. In April 2006, the OFT stated that banks could charge their customers for breaking such terms of their agreement, but only the administration cost the bank itself incurred for dealing with the issue. Many banks were charging customer up to £35 for exceeding their overdraft, and the OFT says this is unlawful, and that people that have been fined such amounts can legally apply for a bank charges refund.

You can try and get a bank fees refund yourself by writing to your bank to request a list of the charges and requesting that they be refunded to you. If this doesn’t work, you can write again to inform them that you are willing to take the case to a small claims court. But the easiest way is to use an intermediary company that will do the work for you and claim back the excessive bank fees on your behalf. We work with Claims Financial, a company that specialises in reclaiming unfair bank charges, providing: