A few years back, I worked for a financial institution that charged some of the most outrageous fees (anywhere from $32 for an unpaid check to $37 to pay an insufficient check without returning it unpaid and best of all, $30 to even join the bank - note, this was NOT a credit union) I had ever seen. The worst part was you would likely never see a refund for them. I can also sympathize (and relate) to the customer because I have also been on the receiving end of some pretty outrageous bank fees, that I never got refunds for.

Bank Charges in the UK have become such a problem that in July of this year (2007), the Office of Fair Trading has frozen claims against banks who charge excessive fees. In fact, there is a full inquiry pending.

Many people do not know they can claim back unfair bank charges. For more information regarding unfair bank charges and to learn how you can claim them back, visit Keypointclaims.com.