How to claim bank charges back?

If you have incurred excessive or unfair bank charges, begin by contacting your bank directly to discuss the issue and seek an arrangement, particularly if you are experiencing financial hardship. If your bank refuses to help, you may escalate the matter by asking the Financial Ombudsman Service to investigate your claim for free. A 2009 Supreme Court ruling made reclaiming charges more difficult, but it remains possible, especially for those struggling financially.