[Your address]
					[Your address]
					[Your address]
								[Your phone number]

								[Date]

[Name and address of bank]	

Dear Sir or Madam, 

Ref: Account number: [your account number]

I would like to request a refund of all the default charges that have been applied to my account. 

Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the following [insert details of charges] are unlawful as they do not reflect the true cost of going into an unauthorised overdraft. 

You have taken [insert charges amount here] from me, plus [insert overdraft interest amount here] overdraft interest and I would like to request repayment of this [insert total sum] total sum. I also ask you to ensure any default notices entered against my credit record are removed entirely. 

Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs. 

Yours faithfully, 

[Your signature]