Address
Address
Address
Phone number:
Date:
Ref: Account number: XXXXXXXX
Dear Sir/Madam,
I am writing to request a refund of default charges applied to the above account, under the Unfair Terms in Consumer Contracts regulations, 1999.
I believe that the following charges on my account are unlawful:
• (detail charge amounts and dates levied)
• (detail charge amounts and dates levied)
• (detail charge amounts and dates levied)
I believe these charges represent a fine for being overdrawn rather than the actual cost to you of my unauthorised overdraft.
Therefore I request repayment of [total sum] in charges and additional interest.
Please also remove any default notices against me on my credit file.
If this money is not repaid within 14 days I intend to begin a claim against you for the full amount, plus interest and my costs.
Yours faithfully,
(Signature and full name)
