Hard up? How to claim back bank charges
Updated 25th November 2009, to reflect 'Banks win Supreme Court case on overdraft charges'
People in financial hardship can still continue to request a refund of their bank charges.
Hardship is defined as being unable to meet priority financial commitments; these are things like utility bills, rent, council tax, and food. When contacting your bank, you should also highlight any change in lifestyle such as relationship breakdown, death of a partner or starting a lower paid job.
As was the case before today's Supreme Court ruling, there is no guarantee they will receive their charges back but the bank is still required to treat cases of financial hardship in a sympathetic and positive manner.
People in financial hardship should write a letter of complaint to their bank as they would have done before today's ruling.
Template letter
Here is The One Show's template letter to help you with your claim:
Your bank has eight weeks to resolve your complaint. If you're unhappy with their response, contact the Financial Ombudsman Service who will look at your claim and decide whether the bank should award you some or all of your charges.
More information
Have you attempted to claim back back charges because you're in financial difficulty? Share your hints, tips and stories here.
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