So here it is. The letter that could help get your bank charges repaid to you.

There’s been a lot of hype about this recently and I’m actually about to give it a try for myself.

Replace required sections with your own details:

Dear Sir/Madam,

Ref: account number: (your account number)

I understand that the charges applied to my account in relation to the following (enter details of what charges were for) are unlawful.

When I opened my account I entered into a contract with you, at which time you agreed to act lawfully. The fees you have been applying to my account in relation to the above are unlawful under Common Law, Statute and consumer regulations.

You have taken (enter charges amount here) from me, plus the following in (enter overdraft interest amount here) overdraft interest and I would like to request repayment of this (enter total sum) total sum. I also ask you to ensure any default notices entered against my credit record are removed entirely.

Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs.

Yours sincerely,

(Your signature)

Personally it seems a bit too blunt but if it gets the job done…!