Bank charges are one of the biggest consumer scandals in recent years. It is estimated that banks have made up to £5 billion per year from charging their customers for simple oversights like going overdrawn, or having a cheque returned.

Typical charges range from £20 to £39, sums vastly in excess of the actual cost to the banks of dealing with the oversight.

But the gravy train is coming to an end as consumers – and the courts – have come to recognise that these kinds of charges are unfair. So far, tens of thousands of people have successfully reclaimed bank charges and it’s estimated that the major banks have paid out in excess of £1 billion to disgruntled customers.

With Ratio’s extensive experience in reclaiming bank charges, you could join them in getting your money back.

Have you been the victim of excessive bank charges?

At Ratio, we handle thousands of bank charges claims every week from unhappy customers who have been penalised for seemingly minor oversights.

Although the banks are still fighting their case in the Courts, the Financial Services Authority (FSA) says that in the meantime the banks must continue to process the bank charges claims of people who are really struggling to make ends meet.

So if you want to try and claim back your bank charges, now is the time to do it – and we can help.

Do you want to fight back without having to pay any more fees?

There are no upfront fees for reclaiming bank charges with Consumer Claims 4 U.

What’s more, you can claim for the past six years on current accounts, savings accounts, credit cards and mortgages. For each account, you can reclaim a whole range of charges, including:

• Unauthorised overdraft fees
• Bounced cheque fees
• Direct debit refused
• And more…