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Bank Charges Letter

Filing a claim against your lender can be a daunting experience especially if you have never had to file a mis-sold PPI claim before. Many people start with a bank charges letter requesting the bank to give them back their money because they don't feel they should be paying for cover which they cannot use. Your bank charges letter should also state the reason why you feel payment protection insurance was mis-sold to you as well as how much you think the bank owes you in back bank charges.

How to Claim Back PPI

 claiming back bank charges in much the same way as if you claim back PPI can take some time and it is important to be patient. If your claim is rejected in the first instance you may have the right to appeal directly to your lender or, alternatively, to the Financial Ombudsmans Service. The Financial Ombudsman is an impartial body who will fairly review your claim to determine wihether you are entitled to reclaim bank charges applied to your account.

Hiring a Professional PPI Claims Management Company

If you do not wish to write a bank charges letter on your own you can choose to use a claims company to assist you with your claim. A claims company with take charge of your whole claim from writing the initial complaint letter through to the appeals process if necessary. Most claims companies work on a no win no fee basis meaning you do not have to pay a fee unless your claim is successful.

If you are considering filing a claim against your lender for mis-sold PPI, you could write a bank charges letter requesting a review of your claim or you could hire a professional to do the writing for you. The PPI Claim Company operates on a no win no fee* basis so you know they will work hard for you because if you don't win they don't win. To get in touch with the claims team you can fill out a short contact form on The PPI Claim Company website and you should hear back within 24 to 48 hours from a member of the claims team. Another option would be to phone 0207 471 2000 to speak immediately with a member of the team.


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Belmont Thornton Ltd. is regulated by the Ministry of Justice in respect of regulated claims management activities; our registration is recorded on the website www.claimsregulation.gov.uk number 18273

Belmont Thornton Ltd. is incorporated in England and Wales, Company number 6621233, whose head office and registered office is at Suite 2, Unit 25, The Coda Centre, Munster Road, London, SW6 6AW. VAT Registration number 945 3375 06.

Belmont Thornton Ltd is registered with the Information Commissioners Office to ensure compliance with the Data Protection Act 1998 registration number Z1728023 and holds a Credit Consumer License issued by the Office of Fair Trading license number 634655.

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* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.