Ask for your illegal bank charges back! - Step 3

Now you’ve got your documents back from the bank, its time to ask for your money back. Keep in mind the law, and state that all the charges you have listed and attached are disproportionate in the eyes of the law and that you request an immediate refund with all the interest included. At this point a few things can happen.

  1. They pay out - In some cases the bank will write to you and offer to pay all the money back but usually they will enter negotiations.
  2. You get no response or they refuse to pay - This is the most common outcome, you’re ignored or you get a response explaining that in the banks eyes the charges are lawful.

They will try to stall you or put you off but don’t be fooled, you are legally entitled to these charges. Just ignore this, the bank knows your entitled to payment and its all part of the negotiation process, so its time to go to step 4.

17 Responses to “Ask for your illegal bank charges back! - Step 3”

  1. kim noonan Says:
    July 24th, 2007 at 12:28 pm

    i believe it is against the law to have charged me several charges to my account and i wish to have this paid back in to my account in full and as quickly as possible

  2. Tatjana Vukadinovic Says:
    August 11th, 2007 at 12:17 pm

    Account name:Miss T Vukadinovic
    Account number:0068**** Sort code 09 01 **

    I believe it is against the law to have charged me several charges to my account and I wish to have this paid back in to my account as quickly as possible

  3. marie adams Says:
    August 21st, 2007 at 5:04 pm

    I am owed a total of #1950+ in charges made to my account by Nationwide Building society and wish to claim this back. Thankyou

  4. Everton stewart Says:
    November 3rd, 2007 at 3:53 pm

    My name is everton im appling for bank charges the bank im in overcharges 30 pound a time and doubled it makin me pay out 300 pounds of over draft even if its 3o pence i wish 2 claim my charges

  5. lee martin hull Says:
    November 28th, 2007 at 1:34 pm

    my name is lee and i have been paying off bank charges for nearly a year i get the charge down really low and then it shots back up it started off at 350 and after all the other charges it been about 2000 can you help the bank is lloyds tsb

  6. carole manzie Says:
    January 23rd, 2008 at 5:16 pm

    could you pleae refund any bank charges back to me as soon as possible

  7. carole manzie Says:
    January 23rd, 2008 at 5:22 pm

    my name is carole i have been paying bank charges for years and dont seem to getting out the bit, i am now a single parent and cannot afford this please could you help me my bank is bank of scotland Alloa

  8. shona crews Says:
    January 23rd, 2008 at 5:28 pm

    my name is shona and i have been paying bank charges for years could you p;ease forward any information to regain these unlawful charges my bank is clydesdale alloa

  9. stuart crews Says:
    January 23rd, 2008 at 5:33 pm

    my name is stuart and have been paying bank charges for years could you please forward me any information regarding regaining these illegal charges. my bank is clydesdale bank alloa

  10. Rebecca Says:
    March 12th, 2008 at 7:04 pm

    Hello, Two weeks ago my two banks (lloyds and abbey) have charged me. With Lloyds i was only £1.27 withdrawn and they’ve charged me £80. Could you forward me information regarding how to get this back? With Thanks.

  11. katrina mary baum Says:
    March 25th, 2008 at 9:57 pm

    how do i go about getting my bank charges back?

  12. selina evans Says:
    April 14th, 2008 at 1:26 pm

    Hi
    I have been charged £150 for the last 6 months this is terrible i have to children to look after and this has been taken from my benefits each month.
    I have asked them several times to refund my money and have had no other choice but to open another account.
    Could you tell me how to claim these fees back my bank is hsbc
    Thanks
    Selina

  13. Ashley Leith Says:
    May 5th, 2008 at 2:34 pm

    i am a student and everytime i go slightly overdrawn past my limit they charge me. it’s getting quite ridiculous as the figure is quite high now!! could u forward me any information that i need to claim these back?

  14. Claudio Says:
    June 24th, 2008 at 11:37 am

    Hi every often I’m having to pay bank charges and this is outrageous. Could you please send me some information about how I would go about claiming these charges bk? Thanks

  15. Trish Chester Says:
    June 30th, 2008 at 5:47 pm

    I have just received back from the bank the charges made to our bank account from March 2002 to May 2004 a total of 4710 in charges this is unbelievable. This is a quarter of my salary for one year. Can you provide a template letter for me to ask for these or some of the charges to be paid back. I have been ill for several years in and out of hospital the bank were aware of this I am shocked at the total amount. Please can you help.

  16. Brenda Blackburn Says:
    July 4th, 2008 at 6:58 pm

    hi my bank charged me for an overdraft i went to complain with the letter telling them i have not been overdrawn for months they charged me 21pound they then took the letter they sent me so i have no proof of that letter now they then told me it was written off and said they wrote half of the charges off but never told me they put a 50pound overdraft on my account without me knowing i found out by letter can you help me get all my bank charges back by helping me go to the right persons to get back what is rightfully mine

  17. Wendy Says:
    August 21st, 2008 at 6:53 am

    Hiya,
    When I heard about all this ‘claiming charges back’ thought I wouldnt benifit from it !
    Was told by several people “request statements from bank” this I did. Was informed to send a cheque (think it was for £10) did so.
    All statements came through with a letter infoming me they were waivering the fee and that due to the test case due at the end of 2007 I had to await the ruling before it would progess.
    Ok, so what do I do now ? do I wait to be contacted…….Send the statements in………re-apply………I am flumoxed.
    Please give guideance on this matter.

    Thanking you in eager anticipation,

    Wendy

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Author: Bank Charges Guru Last updated: November 21, 2007