financial services
Unfair Bank Charges or Fees
Your bank has applied unfair charges, hidden fees, or penalties that were not clearly disclosed.
Suggested Complaint Framing
Title: Dispute — unfair charges applied to my account
Description: My bank has applied charges/fees that I believe are unfair and were not adequately disclosed at the time of opening my account or making the transaction.
Desired outcome: Full refund of all unfair charges, written confirmation that no further charges will be applied, compensation for distress.
Priority: high
Relevant UK legislation
- Consumer Rights Act 2015
- FCA Consumer Duty (PS22/9)
Tips
- Request a full statement of charges
- Explain if charges caused financial difficulty
- Escalate to the Financial Ombudsman after 8 weeks or deadlock
Common with these organisations
HSBC, Barclays, Lloyds Bank, NatWest, Santander
Step-by-step
- Create your case with this template pre-filled.
- Log every interaction and promise from the organisation.
- Send a formal complaint letter and track deadlines.
- Escalate to the relevant ombudsman if unresolved.