 Re: How long does it take to reclaim your bank charges back?
For me it took about 3 months. This was partly due to laziness by both parties, i.e me and the bank. Over the 3 months, naturally the charges kept on growing, like a pubescent teenager, but they did all get refunded. Make sure in your letter you include why you feel you should be refunded, word it carefully, using good vocab and correct spelling, punctuation, how you feel miss treated and abit about your previous credit history, if its good. For example, if your always over-drawn and all that, then dont make that a key point in your letter. And this is up to you, but threaten that you will close all your accounts and move banks, i did include this, and i know that sometimes it works really well. Hope this helps a little. Peace | 
