Step 3 - Small claim action in England, Wales or Northern Ireland

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.