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How to reclaim bank charges

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Persuading a bank to part with money is never easy, so if you want to reclaim bank charges you'll need to put together a good case. We show you exactly how to claim back bank charges.

		a	Find out: Which bank charges can you reclaim?
		b	Find out: Is it still possible to claim back bank charges?
		c	Find out: Should you try claiming back your bank charges?
		d	Find out: What are the risks if you try to reclaim bank charges?
		e	Find out: Who can claim back bank charges via the Financial Ombudsman Service?
		f	Find out: Who can reclaim bank charges via the courts?

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		a	Do: Contact your bank's customer services department
		b	Do: Read your bank account's terms and conditions
		c	Do: Send a 'reclaim bank charges' letter to your bank
		d	Decide: Should you accept your bank's response to your claim?
		e	Do: Appeal your bank's decision if you are refused adequate compensation
		f	Decide: Should you accept your bank's final response to your bank charges claim?

		a	Find out: Can the Financial Ombudsman help you reclaim bank charges?
		b	Do: Submit a bank charges claim to the Financial Ombudsman Service
		c	Find out: How long will it take for the FOS to review your bank charges claim?
		d	Decide: Should you accept the Financial Ombudsman's response?

		a	Find out: What is your chance of success if you take your bank to court to claim back bank charges?
		b	Find out: How much will going to court cost you?
		c	Find out: What precautions should you take before pursuing your bank charges claim in court?
		d	Decide: Should you use a 'no win, no fee' solicitor?
		e	Decide: Should you take your case to court yourself?
		f	Do: Submit your court claim
		g	Do: Pursue your court claim

		a	Do: Check your bank statements
		b	Work out: How much have you been charged by your bank?

		a	Work out: Why did your bank charge you?
		b	Decide: Should you get a new bank account?