Give me my Money...
Well it all stems from an Article I read Here by Martin Lewis at Money Saving Expert and here on the bbc.
Coincidently Martin Lewis was on the TV this morning and just brought up the subject of Bank Charges as I was sealing the envelope containing the letter form the bank.
So how cn you do this, well in a recent court case Murray v. Leisure play  EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses, the bank charges we pay (for instance £30-35 for going overdrawn and getting a letter) are disproportionate to the actual costs incurred by the banks (reckoned to be about £1 to £2).
The wording in my letter, copied from Money Saving Expert and bbc where you can find full instructions of how to claim back the hundreds if not Thousands of pounds you have been fraudulently charged.
Due to recent media coverage on bank charges I now believe that you,
I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd  AC 79 along with Murray v. Leisure play  EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.
Furthermore if you fail to comply with this letter, I request without further notice a breakdown and proof of all costs involved, in regards to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves, and that these charges reflect your true costs in relation to the said charges, and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e).
There it is nice and simple...
You have nothing to lose in this, as I said above read up at these 2 links and send your letter off ASAP.... Money Saving Expert and bbc Templates for the various letters are included on both sites.
I'll let you know how I get on...on and btw I am claiming back several thousand pounds...I sent the letter by recorded delivery to my Branch this morning.