If you wish to claim back the money for the bank charges put on your account, you'll of course want to know how much money which you feel you are owed. If you don't often keep your bank statements, then all hopes isn't lost. You can request your bank to send you a list of bank charges added to your account within the last six years. If you do this, by law, they've got forty days to respond and they are not allowed to charge a fee more than 10 pounds for this service.
In case you have a letter to you from your bank with the overall amount and sum of the bank charges in your account, you now need to compile a letter to the bank or banks in question. Your letter does not need to be built by a solicitor, not does it have to be particularly lengthy but does need to state that due to the ruling by the office of fair trading, you are requesting the money that you have paid in charges, either refunded into your bank account, or if the account is closed, by cheque.
Once you've sent the letter to your bank, a good idea is that you allow two weeks for the bank to respond. If they fail to do so, then you will either need to write a follow up letter or make a telephone call. You should politely advise the bank that you feel you're owed money and you're considering court action to obtain a satisfactory result. Typically, the banks will respond to this to avoid having to appear in the court, but if not, the most convenient way to start proceedings is to register the case online via the courts money claims services.
If you feel you have been unfairly charged by your bank, you can start getting your money back and initiate the process now. You can often seek the guidance of a specialist solicitor to make sure that you are doing the write way and dealing with the proper matter regarding your unfair bank charges.
Author Resource:
Nancy Williams blogs about mis sold ppi claims and other financial products for British based business bankcharges.com She also lifts the lid on unfair bank charges and the financial claims niche generally, as well as writing pieces on personal finance, house sales, repossession and business finance.
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