Bank charges reclaim template letter

Address
Address
Address

Phone number:

Date:

Ref: Account number: XXXXXXXX

Dear Sir/Madam,

I am writing to request a refund of default charges applied to the above account, under the Unfair Terms in Consumer Contracts regulations, 1999.

I believe that the following charges on my account are unlawful:

• (detail charge amounts and dates levied)
• (detail charge amounts and dates levied)
• (detail charge amounts and dates levied)

I believe these charges represent a fine for being overdrawn rather than the actual cost to you of my unauthorised overdraft.

Therefore I request repayment of [total sum] in charges and additional interest.

Please also remove any default notices against me on my credit file.

If this money is not repaid within 14 days I intend to begin a claim against you for the full amount, plus interest and my costs.

Yours faithfully,

(Signature and full name)