The subject of bank charges has gone very quiet recently except for the announcement that Nat West and the Royal Bank Of Scotland are lowering their charges as of the 1st of October. If you want to claim back your bank charges or even credit card charges then you still can but you'll need to follow a few steps to find out what can be done in your circumstances.

Most people will need to write a letter to their bank and this involves finding out the department you need to write to and perhaps using a template letter from somewhere like Money Saving Expert. You may want to do some more research on the web before you send anything out so make sure you have a pen and paper with you.

Make a few notes about what needs to be done. There are several places online that have tons of information about claiming back credit card charges. A lot of people don't realise that you can find information about both bank charges and credit cards and the charges associated with them. You can make a claim for both if you have been charged unfairly.

Just make sure that you are armed with information before you write to your bank. It's worth asking for your bank statements for the past 6 years (you can claim back anything over the past 6 years), so that you can work out a total amount that is owed to you. Just remember to include the interest!

Most of the time, you'll get a response from your bank or credit card company saying something along the lines of "you were aware of the charges and we are unable to pay them back". Ignore this and send them another letter. Don't give up - they're going to try everything to avoid paying them back but they will eventually agree to talk to you about the matter.

Overall, finding information about credit card charges and bank charges is really easy when you look online. There's plenty of information available for you to make a decent claim. Just make sure that you are armed with the appropriate information before you begin claiming through your bank.