bank charges the letter to clam it back

IMPORTANT!
PLEASE READ THEN DELETE THIS BOX

This is a template letter for guidance. You need to add your details and where appropriate change the letter to suit your particular circumstances.

Once you’ve made changes, always print it out and read through to check it makes sense to the recipient.

ACTION POINTS

[BLUE BRACKETS]: Put your specific info here, then delete the instructions (and change the text colour)


[insert your name
and address]

[insert date]

[insert name and
address of bank]

Dear Sir or Madam,

Account number: [insert account number]

I am writing to request a fully comprehensive list of all the default charges for direct debit, unauthorised overdrafts and standing orders I have paid since 27 July 2001.

Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my statements; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law.

I look forward to your response within 40 days, as [insert name of bank] is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.
Yours faithfully,

[insert your signature]

[insert your name (printed)]

I started my case with the bank about a year and a half ago. But because there still in court to see if we can claim it back or not they have put them all on hold. If the court says the charges are unfair and we can claim them back there will be millions of people sending letters in. So your best of doing it now before the rush.

Jol

Done mine 2 years ago, got 75% of my total charges back on the first offer, it does work, well worth a shot.

[insert your name
and address]

[insert date]

[insert name and
address of bank]

Dear Sir or Madam,

Account number: [insert account number]

I am writing to request that you repay all the default charges that have been applied to my account since 27 July 2001.I do not believe these charges reflect the true cost to [insert name of bank] of going into unauthorised overdraft.

The charges total £[insert total charge]. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. Please find a full schedule of the charges with this document. [include a list of charges and be sure to keep a copy for yourself].

I look forward for a full response to this letter within 14 days.

Yours faithfully,

[insert your signature]

[insert your name (printed)]