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You can raise
a small claims action in England & Wales online, using the
Court Service's 'Money
Claim Online' secure site. The small claims limit in
England & Wales is £5,000.
You can obtain relevant
pro forma County Court claim styles from www.moneysavingexpert.com
(scroll down to 'Step 5: Take it to court').
You can obtain
guidance on how to raise a small claims action in Northern Ireland here.
The small claims limit in Northern Ireland is £2,000.
If you do
raise court proceeedings you must be prepared to undertake all of the
work necessary to present your case - up to and including a full
evidential hearing. The responsibility for litigation will rest
with you alone.
Alternatively,
if you do not feel confident raising a small claims action, or you claim
is over the small claims limit (£5,000 in England & Wales
& £2,000 in Northern Ireland) you can lodge a complaint to
the Financial Ombudsman Service.
The Ombudsman can require your bank to refund your charges.
Please note
we do not have the resources to advise on individual cases online.
If you are
successful in getting charges refunded, let us know at: mail@bankcharges.info.
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