What this tool does

This interactive tool creates a formal letter to your bank requesting a refund of unfair charges such as overdraft fees, returned payment charges, or other penalty fees. It generates a properly formatted letter that references your rights under UK financial regulations and follows the correct procedures for making a complaint.

The tool structures your complaint professionally and includes the necessary legal points that banks are required to consider when reviewing charge disputes.

When to use it

Use this tool if you believe your bank has charged you unfair fees, particularly if the charges seem excessive compared to the actual cost to the bank, or if they were applied due to circumstances beyond your control. Common examples include multiple charges for the same incident, charges applied without proper notice, or fees that pushed you further into financial difficulty.

The tool is also useful if you have tried calling your bank about unfair charges but want to follow up with a formal written complaint that creates a proper paper trail.

How it works

You answer simple questions about your personal details, bank account, the specific charges you want refunded, and why you consider them unfair. The tool then generates a complete letter that you can download, print, and send to your bank's complaints department.

The letter automatically includes a 14-day response deadline and mentions your right to escalate to the Financial Ombudsman Service if needed. Nothing you enter is saved anywhere, and you do not need to create an account to use the tool.