Step 6 - Court Action Information

At this point you are moving from writing letters to initiating legal action. Visit the Bank Charges Hell and Consumer Action Group's websites and see what people have to say. Their experience is that this action works, and both have others' experiences and cases that form precedents. Be aware from now on you will incur the cost of starting a claim. But as long as you claim less than £5,000, in the unlikely event of actually going to court, it will be heard in the small claims court, where you will not be held liable for the bank's legal costs. For more information visit the Her Majesty's Courts Service website.

If you are going to take court action open an alternative current account in case the bank subsequently tries to close your one with them. Also consider switching any personal loans. You can use our search box at the top of the page for bank accounts and personal loans.

Step 5 - What Does The Bank Have To Say?      Step 7 - Make a Claim