Use these informative resources to help claim back unfair bank charges on your own. Our creditor letter generator will automatically generate the appropriate letter for your situation.
Stage 1
Letter 1 — Requesting A List Of Charges
Stage 2
Letter 2 — Declined Transactions
Stage 3
Stage 4 - Taking Legal Action
If you don't get a response within 7 days of sending stage 2 letter you should consider raising a small claims for payment.
England And Wales Small Court Claims
You can raise a small claims action in England and Wales online, using the Court Service's Money Claim Online secure site. The small claims limit in England and Wales is £5,000.
You can obtain guidance on how to raise a small claims action in Northern Ireland from the Northern Ireland Court Service. The small claims limit in Northern Ireland is £2,000.
If you do raise court proceedings you must be prepared to undertake all of the work necessary to present your case — up to and including a full evidential hearing. The responsibility for litigation will rest with you alone.
