
How to appeal unfair parking tickets
• 5 years agoParking fines can be expensive and unexpected. They are a surprise that none of us… Read more »
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Overdraft charges and other bank fees can be incurred for a number of reasons but if you feel you have been charged unfairly then there are steps you can take to reclaim your money.
Firstly, the best thing to do is to talk to your bank explaining the situation. Outline the money you feel is owed to you (with evidence) and any hardships you may be facing.
After figuring out how much you could possibly reclaim and writing to your bank, they should reply to you with a solution to the problem.
If you are happy with the outcome from writing to the bank, you can accept their offer and put the whole scenario behind you. However, if you are not happy with the offer from your bank, you can take further action.
Taking your complaint to the financial ombudsman is an easy and safe route to take proceedings a step further after getting in touch with the bank yourself. If you take your complaint to the ombudsman, they can only help you in certain circumstances.
However, if you are in financial difficulty, your provider should deal with your case in a positive and sympathetic manner. Although, they do not have to refund or suspend the charges automatically if you are experiencing financial hardship.
The ombudsman will look at whether or not your current account provider has done enough to help you. They will also make sure that your financial situation has been properly assessed.
If you are unhappy with the result or you lose your case with the ombudsman, you have one more option available to you.
This is an expensive and risky option, taking your complaint to court will not be easy and is largely untested. However, if you have been charged a lot over the years or have found yourself in thousands of pounds worth of debt, the cost and risk of going to court could be worth it.
There is not a lot of precedent or many comparisons for taking your bank to court over unfair charges and if you are considering this, you should obtain advice from a solicitor.