(Insert your name and
full address here)
(Insert name of bank
and address here)
(Insert date here)
Dear Sir or Madam,
I am writing to request that you repay all the default charges that you have fined to my account since (insert date when charges commenced). I do not believe that these charges reflect the true cost to (insert name of bank) of going into unauthorised overdraft.
The charges total £(insert total charges). Plus, as I have been unlawfully deprived of the money charged, I have calculated £(insert total interest on charges) interest at the statutory rate, which a court would award.
Therefore, I request that you repay me the full amount (insert total charges plus interest). I have attached a full schedule of the charges and interest with this document.
(Include a copy of the fines charged to your account and the interest accrued, but keep a copy for yourself)
I look forward to receiving a full response to this letter within 14 days.
(insert your signature)
(insert your printed name)