How to claim back bank penalty charges

Interesting article on the BBC about how people are starting challenge the way banks charge extortionate fees for people breaking their terms and conditions. The challenge stems from the fact that banks shouldn’t be profiteering from this sort of activity according to the Unfair Terms in Consumer Contracts Regulations 1999. So here you can find a step-by-step guide to claiming back penalties you consider unfair; together with template letters to send to your bank etc. Might be useful to some.

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