Basically the reason why it is very easy to claim back your charges when you threaten legal action is that when a bank applies charges to an acocunt, it is supposed to cover costs and costs only, and not act as an income stream.
If you took the bank to court they would find it very difficult to prove the costs they apply only cover costs, so it is more cost effective for the bank to give you your charges back.
You need to threaten with legal action to get the desired outcome. Otherwise the bank will not treat it seriously. There are plenty of example letters out there, including on the the BBC website.
Hope that helps
|