What charges can I dispute?
There’s no set list of things you can dispute and those you can’t. It comes down to whether you genuinely think you’ve been unfairly charged. The emphasis should definitely be on ‘genuine’; you can’t complain if you’ve made a mistake (our guide to budgeting could help with this).
If you decide you want to make a complaint and reclaim unfair bank charges, then you should put together your case and present it to your bank first through their official complaints process. They have up to eight weeks to come back to you with a final decision on your complaint If your bank doesn’t respond within that time or give you the answer you’re hoping for (or you think it’s not fair) then you can take your case to the Financial Ombudsman Service and they’ll look into your case for free. You won’t be able to go straight to the Ombudsman; you need to have approached your bank first to give them a chance to resolve your issue.
Of course, if the Ombudsman doesn’t support your complaint, then you can take it to the courts – this is the last resort and once you’ve been to court you won’t be able to go back to the Ombudsman.