Second Step To Reclaiming Unfair Bank Charges

You have given the bank 2 weeks to reply, so if it doesn't write a reminder and phone them.

They might try to stall by offering a reply at a future date. In this case, write & phone warning them that you are giving them a further 14 days before starting court proceedings.

Another trick the banks are using is to tell customers that they are mistaken and cannot claim refunds or that the fees are not unlawful. In this case, you are probably still at the point of a second letter and then start court action.

If they reply offering the full amount then you have won. If they offer a partial payment then you have to take a decision as to whether it's enough or whether you want to continue. If the amount of fees involved are small or the proportion they are offering to refund is high, then the effort of continuing a claim might make acceptance worth while.

But if they are making a very low offer, there might be good rewards in claiming for the full amount. Only you can decide.

> Next, Taking Your Bank To Court.