Over the years there have been repeated calls for bank charges to be reduced or refunded, but nothing to date has happened. The Government needs to set out in law what constitutes an excessive bank charge, and require banks to refund past charges that exceed this.
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Many people have battled with banks to get these charges refunded, some of them in financial difficulties that had their income eaten into by these charges. The Government needs to intervene to require banks to pay back the charges and put customers back into the financial position they should have been in without these exorbitant charges.