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Reclaim bank charges template letter

(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.

Yours faithfully,

(insert your signature)

(insert your printed name)

Jasmine Birtles

Your money-making expert. Financial journalist, TV and radio personality.

Jasmine Birtles