Claim your bank charges back now!
It's a scandal. For years now the banks have been hitting us with excessive charges every time we go over our agreed overdraft limit or do not have the funds to honour a cheque or direct debit. Now you can win this money back plus interest. We've helped people like you reclaim thousands of pounds in charges dating back up six years.
Let's get to the technical part just for a moment. The fundamental rule is if there is a breach of contract under English or Scottish law, any charge should not exceed the cost of the breach. That is to say, backs can only enforce charges which are proportionate to their costs.
However, when you go beyond your agreed overdraft limit, you do not have the money to honour a cheque or direct debit payment, the bank charges a penalty of, on average, £30 to £35 a time. Is a charge of this scale really proportionate? What if you only went a penny over the limit?
It is important to understand that this change is actually the bank fining you for going over your agreed overdraft limit and this fine is too high. Consequently, under the law of penalties this is 'extravagant'. Does it really cost that much to send a computer-generated letter with a franked stamp?
When you look at it like this, it is clear that bank charges are unlawful, and that means the bank did not have a right to take your money. We can help you get it back!
For more information check our Frequently Asked Questions.
financially from
unlawful bank charges
or payment
protection
misselling?
0800 4 96 95 96
