Do you have to pay bank or credit card charges? No, not if they are a penalty or 'unfair' charge. Jskclaims guide you about UK law on unfair bank charges and how to get your money refunded.

Many of us who open bank accounts do so with the assurance that there is and will be a relationship of trust and confidence. However, millions of people have had their trust broken by banks and building societies who have hit us with unfair, unlawful and unreasonable bank charges.

Banks can only impose charges which are proportionate to their costs. To charge £25.00 for a returned cheque or when you are 10p overdrawn is of course unfair but it has been done without any hesitation and the consequences to the ordinary consumer can be very serious. Credit ratings can severely damaged as a result of these unlawful charges. Not only does this cause frustration and embarrassment, it is hard working money which has gone into the pockets of the banks and it is time to reclaim these sums.