What legal steps can I take if my bank charges unauthorized fees?
July 31, 2022 | 50,00 EUR | answered by Alwin Reuter
Dear Bank Law Attorney,
I am contacting you because I recently discovered that my bank has been charging me unauthorized fees. My name is Sandra Wittik and I have been a customer of this bank for many years. Lately, I have noticed high fees on my account statement that I cannot explain.
The bank has not provided me with sufficient explanations regarding these fees and I feel left in the dark. I have tried to discuss this issue with my bank advisor, but he was unable to give me satisfactory answers. I am concerned that the bank may be unjustly demanding fees from me, putting me at a financial disadvantage.
Therefore, I would like to know what legal steps I can take in this situation. Are there ways to compel the bank to refund the unauthorized fees? How can I assert my rights as a consumer and what steps should I take next to resolve this matter?
I want to make sure I do not have to continue paying unauthorized fees and that my money is protected. Your assistance and advice on this matter would be greatly appreciated.
Thank you in advance for your support.
Sincerely,
Sandra Wittik
Dear Mrs. Wittik,
Thank you for your inquiry regarding unauthorized fees from your bank. It is understandable that you are concerned and would like clarity on the situation. As a lawyer specializing in banking law, I am happy to offer my expertise to assist you in this matter.
First and foremost, it is important to understand that banks are legally required to provide transparent and understandable information about the fees they charge. This means that the bank must clearly inform you of what the fees are for and in what amount. If you have not received this information or if the fees seem unreasonably high, the bank may be in violation of legal regulations.
In your situation, it is advisable to first request access to the fee statements from your bank in writing and ask for a detailed breakdown of the fees charged. You can also request that the bank explain the legal basis for the fees. If the bank continues to provide unsatisfactory answers, you may consider seeking legal advice.
To reclaim unauthorized fees, various legal steps may be necessary. In this case, it may be beneficial to consult a lawyer specializing in banking law, who can assess your claims and potentially take action against the bank out of court or in court. It is important that you know your rights as a consumer and understand how to effectively enforce them.
I recommend that you carefully document all relevant documents and communications with the bank and promptly contact a specialized lawyer. They can provide comprehensive advice and help you enforce your right to a correct billing and refund of unauthorized fees.
If you have any further questions or would like personal guidance, I am at your disposal. I hope that my explanations will be of assistance to you and support you in your situation.
Best regards,
Alwin Reuter
Lawyer specializing in banking law
