This work covers reclaiming money from banks where customers are entitled to a refund for overcharged, misrefunded or unauthorised payments, and for refunds relating to card payments, chargebacks and mis-sold financial products. A solicitor in this area helps by drafting and sending formal complaints, compiling evidence from bank statements and transaction records, submitting claims to banks or the Financial Ombudsman Service, and negotiating refunds or settlements. Where needed, they guide clients through potential court or tribunal steps and advise on applicable consumer protections and time limits.
What a solicitor handles in these matters
A solicitor handles the specific processes for recovering funds: identifying eligible transactions, collecting supporting documents, submitting complaint correspondence, engaging with banks and card networks, pursuing referrals to the Financial Ombudsman Service, and, if required, preparing court or tribunal papers and liaising with regulators. They also explain the scope of rights under consumer protection laws and the potential outcomes if a claim is disputed.
