Banks and Charges


However, it is possible to recover some if not ALL of you bank charges if you meet certian criteria.

Using the Guide below, you should be able to determine if you are entitled to a refund. If you are, follow the instructions carefully to be in with the best chances of receiving a refund.

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What kind of charges can you reclaim?

- Unplanned Overdraft Fees

- Package account Fees

- Charges for missed Direct Debits

- Any other charges, interest or penalties

What to do if you have been charged...

If you feel your bank has unfairly charged you, you should complain or ask for your money to be refunded.

You may have been charged if you have missed Direct Debit payments, or perhaps you pay a monthly fee for a special account or to have "Extras" you never use such as Mobile Phone Insurance or Roadside Assistance.

When attempting to claim back your charges...

You must be able to demonstrate that your bank has in some way caused you "Financial Hardship." You can do this in a number of ways; You may be able to show them that the cycle of charges has kept you in debt for a longer period of time. Or, perhaps the account fees you pay are unnecessary and a standard bank account would serve you just as well.

When complaining to your bank consider the following

  • Can you demonstrate the charges were unfair?
  • Can you show that the bank has caused you financial hardship?
  • Have you discovered a history of charges and fees that you didn't know about?
  • Can you propose a way to stop the cycle of charges continuing in the future?

How to Complain to your bank...

Following our guide and using one of our templates as a starting point. We will walk you through the process of complaining to your bank and recovering some or all of your charges.

Please be aware that complaining to your bank doesn't mean they will grant you a refund. There have been many cases where people have been unsuccessful. There have also been tens of thousands of successful applicats too! So if you feel you have been treated unfairly, it's definately worth complaining.

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Have you ever heard of a direct debit clawback?