Step 2 - Spotting Excessive Charges

You can try to claim back any excessive charges, which the law would class as penalties. These will be anything over and above what an infringement costs the bank.

Some examples of unfair charges might be: £20 charges for letters sent out informing customers they have breached an overdraft limit, £30 for a bounced cheque or failed direct debit when the bank merely incurs the cost of informing the other party; the imposition of large daily fines plus interest for going overdrawn.

Step 1 - Know Your Rights      Step 3 - Work Out What You're Owed