When you open a bank account or take out a credit card, you enter into a contract - bank charges are fees that are charged by your bank if you go out of the agreed terms of that contract. Some reasons for bank charges include:

• Going over your overdraft limit without prior agreement
• A cheque that bounces
• A direct debit that takes you over your overdraft limit
• Exceeding a credit card limit
• Failure to pay a minimum payment on a credit card
• Bank charges are supposed to reflect the actual costs incurred by the bank, but banks were charging up to £39 for a bounced cheque, £12 for missed credit card payments and £28 every day an account was over its authorised limit.
   

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Many people are now successfully claiming back the unfair bank charges from their banks. If you feel you have been subject to unfair bank charges, there are things that you can do to get reimbursed.
there are companies that can help you claim it back. The advantages of this include:

• Saving you the time and hassle of doing it yourself
• They often have agreements with the banks so they can fast track claims and avoid court proceedings
• They will cover the cost of a court summons if one becomes necessary
• Most protect their clients against court defence costs
We can put you in touch with Claims Financial, a company that specialises in reclaiming unfair bank charges, providing:
• A No Win No Fee Service
• Expert friendly advice

Handling your case from start to finish

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